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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 | $83,649 | $77,962+7.3% | $178,540-53.1% | $80,935+3.4% |
| Participation rate | 65.9% | 65.7%+0.2pp | 77.1%-11.3pp | 67.7%-1.8pp |
| Annual return | 20.36% | 18.10%+2.3pp | 27.15%-6.8pp | 35.66%-15.3pp |
| Employer contribution / active EE | $1,752 | $2,280-23.2% | $3,953-55.7% | $2,757-36.4% |
| Participant deferral / active EE | $4,879 | $4,404+10.8% | $6,281-22.3% | $4,299+13.5% |
| Admin fee / account holder | $11,960 | $7,156+67.1% | $10,424+14.7% | $6,924+72.7% |