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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 | $106,596 | $95,404+11.7% | $113,397-6.0% | $82,637+29.0% |
| Participation rate | 69.2% | 72.8%-3.6pp | 76.5%-7.3pp | 68.1%+1.2pp |
| Annual return | 14.75% | 19.08%-4.3pp | 23.20%-8.4pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,275 | $2,307-44.7% | $2,977-57.2% | $2,552-50.0% |
| Participant deferral / active EE | $2,216 | $4,220-47.5% | $5,076-56.3% | $4,126-46.3% |
| Admin fee / account holder | $9,194 | $9,168+0.3% | $11,957-23.1% | $7,339+25.3% |