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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 | $114,712+9.9% | $173,730-27.5% | $87,485+44.0% |
| Participation rate | 69.8% | 73.0%-3.2pp | 79.6%-9.8pp | 68.9%+0.9pp |
| Annual return | 16.57% | 20.18%-3.6pp | 19.96%-3.4pp | 26.06%-9.5pp |
| Employer contribution / active EE | $1,208 | $2,904-58.4% | $4,577-73.6% | $2,596-53.5% |
| Participant deferral / active EE | $4,407 | $4,642-5.1% | $6,326-30.3% | $4,274+3.1% |
| Admin fee / account holder | $6,149 | $10,210-39.8% | $17,523-64.9% | $7,775-20.9% |