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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 | $95,978 | $87,106+10.2% | $105,607-9.1% | $80,935+18.6% |
| Participation rate | 67.4% | 70.4%-3.0pp | 75.3%-7.9pp | 67.7%-0.3pp |
| Annual return | 10.32% | 17.01%-6.7pp | 116.11%-105.8pp | 35.66%-25.3pp |
| Employer contribution / active EE | $2,426 | $2,396+1.3% | $3,167-23.4% | $2,757-12.0% |
| Participant deferral / active EE | $3,991 | $3,986+0.1% | $5,011-20.4% | $4,299-7.2% |
| Admin fee / account holder | $2,364 | $8,447-72.0% | $10,958-78.4% | $6,924-65.9% |