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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 | $98,942 | $86,330+14.6% | $121,871-18.8% | $94,015+5.2% |
| Participation rate | 45.6% | 66.7%-21.1pp | 73.2%-27.6pp | 70.8%-25.3pp |
| Annual return | 19.38% | 14.95%+4.4pp | 13.57%+5.8pp | 17.84%+1.5pp |
| Employer contribution / active EE | $1,883 | $2,292-17.9% | $2,731-31.1% | $2,790-32.5% |
| Participant deferral / active EE | $4,845 | $3,146+54.0% | $4,318+12.2% | $4,249+14.0% |
| Admin fee / account holder | $4,590 | $7,346-37.5% | $11,551-60.3% | $8,951-48.7% |