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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 | $111,002 | $86,949+27.7% | $102,460+8.3% | $80,959+37.1% |
| Participation rate | 69.6% | 72.4%-2.8pp | 76.5%-6.9pp | 67.7%+1.9pp |
| Annual return | 10.71% | 18.89%-8.2pp | 29.47%-18.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,031 | $2,370-56.5% | $3,025-65.9% | $2,757-62.6% |
| Participant deferral / active EE | $2,490 | $4,121-39.6% | $5,056-50.8% | $4,300-42.1% |
| Admin fee / account holder | $13,621 | $8,048+69.2% | $9,460+44.0% | $6,925+96.7% |