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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $111,184 | $101,778+9.2% | $164,975-32.6% | $80,925+37.4% |
| Participation rate | 63.2% | 71.8%-8.7pp | 78.6%-15.5pp | 67.7%-4.5pp |
| Annual return | 14.26% | 16.73%-2.5pp | 70.12%-55.9pp | 35.65%-21.4pp |
| Employer contribution / active EE | $1,173 | $2,954-60.3% | $4,343-73.0% | $2,756-57.4% |
| Participant deferral / active EE | $3,519 | $4,477-21.4% | $6,033-41.7% | $4,299-18.1% |
| Admin fee / account holder | $4,252 | $8,221-48.3% | $12,688-66.5% | $6,940-38.7% |