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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 | $84,215 | $83,485+0.9% | $125,180-32.7% | $72,983+15.4% |
| Participation rate | 61.3% | 73.3%-12.0pp | 79.8%-18.5pp | 69.5%-8.2pp |
| Annual return | 20.35% | 25.78%-5.4pp | 43.79%-23.4pp | 81.01%-60.7pp |
| Employer contribution / active EE | $2,633 | $2,346+12.3% | $3,866-31.9% | $2,440+7.9% |
| Participant deferral / active EE | $6,119 | $3,586+70.6% | $4,937+23.9% | $3,608+69.6% |
| Admin fee / account holder | $7,420 | $5,518+34.5% | $9,703-23.5% | $5,124+44.8% |