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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 | $117,779 | $87,733+34.2% | $106,551+10.5% | $85,856+37.2% |
| Participation rate | 64.5% | 71.9%-7.4pp | 76.1%-11.6pp | 69.3%-4.8pp |
| Annual return | 16.40% | 21.86%-5.5pp | 26.80%-10.4pp | 318.58%-302.2pp |
| Employer contribution / active EE | $3,291 | $2,073+58.7% | $2,819+16.7% | $2,565+28.3% |
| Participant deferral / active EE | $5,440 | $3,469+56.8% | $4,398+23.7% | $3,952+37.6% |
| Admin fee / account holder | $5,887 | $6,767-13.0% | $7,408-20.5% | $6,261-6.0% |