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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 | $116,973 | $110,137+6.2% | $161,149-27.4% | $82,637+41.5% |
| Participation rate | 65.6% | 72.4%-6.7pp | 78.8%-13.2pp | 68.1%-2.4pp |
| Annual return | 20.75% | 20.69%+0.1pp | 21.16%-0.4pp | 53.51%-32.8pp |
| Employer contribution / active EE | $2,313 | $2,856-19.0% | $4,360-47.0% | $2,552-9.4% |
| Participant deferral / active EE | $5,005 | $4,575+9.4% | $6,153-18.7% | $4,126+21.3% |
| Admin fee / account holder | $4,321 | $9,467-54.4% | $15,194-71.6% | $7,339-41.1% |