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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 | $95,428 | $98,652-3.3% | $142,942-33.2% | $82,448+15.7% |
| Participation rate | 64.4% | 72.8%-8.3pp | 76.8%-12.4pp | 68.1%-3.6pp |
| Annual return | 15.85% | 22.65%-6.8pp | 113.70%-97.9pp | 41.64%-25.8pp |
| Employer contribution / active EE | $3,661 | $3,211+14.0% | $4,139-11.6% | $2,551+43.5% |
| Participant deferral / active EE | $6,391 | $5,580+14.5% | $7,128-10.3% | $4,139+54.4% |
| Admin fee / account holder | $7,008 | $8,078-13.2% | $12,475-43.8% | $7,234-3.1% |