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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 | $100,194+6.4% | $122,979-13.3% | $86,983+22.5% |
| Participation rate | 69.2% | 73.0%-3.7pp | 77.2%-8.0pp | 69.5%-0.3pp |
| Annual return | 14.75% | 16.47%-1.7pp | 20.12%-5.4pp | 25.83%-11.1pp |
| Employer contribution / active EE | $1,275 | $2,326-45.2% | $3,062-58.4% | $2,584-50.6% |
| Participant deferral / active EE | $2,216 | $4,133-46.4% | $5,003-55.7% | $4,194-47.1% |
| Admin fee / account holder | $9,194 | $10,148-9.4% | $12,864-28.5% | $7,856+17.0% |