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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 | $85,072 | $69,590+22.2% | $136,867-37.8% | $94,015-9.5% |
| Participation rate | 69.7% | 66.3%+3.4pp | 74.5%-4.8pp | 70.8%-1.1pp |
| Annual return | 14.25% | 19.62%-5.4pp | 42.97%-28.7pp | 17.84%-3.6pp |
| Employer contribution / active EE | $1,382 | $2,396-42.3% | $3,547-61.0% | $2,790-50.5% |
| Participant deferral / active EE | $3,151 | $3,437-8.3% | $4,924-36.0% | $4,249-25.9% |
| Admin fee / account holder | $11,145 | $8,912+25.1% | $10,340+7.8% | $8,951+24.5% |