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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 | $94,859 | $106,749-11.1% | $145,433-34.8% | $82,448+15.1% |
| Participation rate | 61.5% | 75.6%-14.1pp | 82.1%-20.6pp | 68.1%-6.5pp |
| Annual return | 15.04% | 27.59%-12.5pp | 66.58%-51.5pp | 41.64%-26.6pp |
| Employer contribution / active EE | $2,722 | $3,444-21.0% | $4,554-40.2% | $2,551+6.7% |
| Participant deferral / active EE | $4,359 | $6,519-33.1% | $7,897-44.8% | $4,139+5.3% |
| Admin fee / account holder | $12,015 | $8,390+43.2% | $13,129-8.5% | $7,234+66.1% |