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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 | $95,357 | $79,955+19.3% | $98,450-3.1% | $75,181+26.8% |
| Participation rate | 69.7% | 70.4%-0.7pp | 75.2%-5.5pp | 67.2%+2.5pp |
| Annual return | 19.61% | 19.75%-0.1pp | 21.16%-1.6pp | 160.69%-141.1pp |
| Employer contribution / active EE | $1,871 | $2,264-17.4% | $3,049-38.6% | $2,671-29.9% |
| Participant deferral / active EE | $4,402 | $3,752+17.3% | $4,739-7.1% | $4,126+6.7% |
| Admin fee / account holder | $8,556 | $6,841+25.1% | $8,961-4.5% | $5,650+51.4% |