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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 | $98,562 | $101,798-3.2% | $165,071-40.3% | $80,935+21.8% |
| Participation rate | 68.4% | 71.8%-3.4pp | 78.6%-10.2pp | 67.7%+0.8pp |
| Annual return | 15.50% | 16.73%-1.2pp | 70.17%-54.7pp | 35.66%-20.2pp |
| Employer contribution / active EE | $2,002 | $2,954-32.2% | $4,347-53.9% | $2,757-27.4% |
| Participant deferral / active EE | $2,434 | $4,476-45.6% | $6,035-59.7% | $4,299-43.4% |
| Admin fee / account holder | $12,158 | $8,221+47.9% | $12,695-4.2% | $6,924+75.6% |