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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 | $106,581 | $93,617+13.8% | $135,982-21.6% | $75,177+41.8% |
| Participation rate | 67.7% | 75.2%-7.5pp | 81.9%-14.2pp | 67.2%+0.5pp |
| Annual return | 19.87% | 30.89%-11.0pp | 68.32%-48.5pp | 160.75%-140.9pp |
| Employer contribution / active EE | $3,248 | $3,538-8.2% | $4,859-33.2% | $2,671+21.6% |
| Participant deferral / active EE | $8,064 | $6,406+25.9% | $7,760+3.9% | $4,126+95.4% |
| Admin fee / account holder | $2,459 | $6,980-64.8% | $10,767-77.2% | $5,651-56.5% |