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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 | $104,228 | $67,602+54.2% | $82,312+26.6% | $70,126+48.6% |
| Participation rate | 60.8% | 72.8%-12.0pp | 76.9%-16.1pp | 69.5%-8.8pp |
| Annual return | 17.45% | 21.57%-4.1pp | 25.88%-8.4pp | 73.15%-55.7pp |
| Employer contribution / active EE | $1,067 | $1,755-39.2% | $2,428-56.0% | $2,343-54.4% |
| Participant deferral / active EE | $4,036 | $2,987+35.1% | $3,706+8.9% | $3,332+21.1% |
| Admin fee / account holder | $5,012 | $4,512+11.1% | $5,608-10.6% | $4,645+7.9% |