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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 | $126,016 | $108,825+15.8% | $156,181-19.3% | $82,448+52.8% |
| Participation rate | 69.8% | 72.4%-2.6pp | 78.8%-9.0pp | 68.1%+1.7pp |
| Annual return | 16.57% | 20.59%-4.0pp | 64.87%-48.3pp | 41.64%-25.1pp |
| Employer contribution / active EE | $1,208 | $2,870-57.9% | $4,294-71.9% | $2,551-52.6% |
| Participant deferral / active EE | $4,407 | $4,577-3.7% | $6,132-28.1% | $4,139+6.5% |
| Admin fee / account holder | $6,149 | $9,341-34.2% | $14,586-57.8% | $7,234-15.0% |