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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 | $95,523 | $86,949+9.9% | $102,460-6.8% | $80,959+18.0% |
| Participation rate | 63.6% | 72.4%-8.7pp | 76.5%-12.9pp | 67.7%-4.0pp |
| Annual return | 14.22% | 18.89%-4.7pp | 29.47%-15.2pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,662 | $2,370-29.9% | $3,025-45.1% | $2,757-39.7% |
| Participant deferral / active EE | $3,647 | $4,121-11.5% | $5,056-27.9% | $4,300-15.2% |
| Admin fee / account holder | $4,636 | $8,048-42.4% | $9,460-51.0% | $6,925-33.1% |