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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 | $110,137+14.4% | $161,149-21.8% | $82,637+52.5% |
| Participation rate | 69.8% | 72.4%-2.6pp | 78.8%-9.0pp | 68.1%+1.7pp |
| Annual return | 16.57% | 20.69%-4.1pp | 21.16%-4.6pp | 53.51%-36.9pp |
| Employer contribution / active EE | $1,208 | $2,856-57.7% | $4,360-72.3% | $2,552-52.7% |
| Participant deferral / active EE | $4,407 | $4,575-3.7% | $6,153-28.4% | $4,126+6.8% |
| Admin fee / account holder | $6,149 | $9,467-35.0% | $15,194-59.5% | $7,339-16.2% |