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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 | $96,128 | $93,617+2.7% | $135,982-29.3% | $75,177+27.9% |
| Participation rate | 68.1% | 75.2%-7.1pp | 81.9%-13.8pp | 67.2%+0.9pp |
| Annual return | 25.21% | 30.89%-5.7pp | 68.32%-43.1pp | 160.75%-135.5pp |
| Employer contribution / active EE | $2,979 | $3,538-15.8% | $4,859-38.7% | $2,671+11.5% |
| Participant deferral / active EE | $7,328 | $6,406+14.4% | $7,760-5.6% | $4,126+77.6% |
| Admin fee / account holder | $4,172 | $6,980-40.2% | $10,767-61.3% | $5,651-26.2% |