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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 | $109,361 | $95,453+14.6% | $112,040-2.4% | $82,448+32.6% |
| Participation rate | 60.9% | 72.8%-11.8pp | 76.5%-15.6pp | 68.1%-7.1pp |
| Annual return | 16.49% | 23.92%-7.4pp | 24.52%-8.0pp | 41.64%-25.1pp |
| Employer contribution / active EE | $1,968 | $2,318-15.1% | $2,954-33.4% | $2,551-22.8% |
| Participant deferral / active EE | $3,973 | $4,224-5.9% | $5,098-22.1% | $4,139-4.0% |
| Admin fee / account holder | $5,370 | $9,013-40.4% | $12,098-55.6% | $7,234-25.8% |