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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 | $107,769 | $81,457+32.3% | $103,378+4.2% | $80,911+33.2% |
| Participation rate | 69.2% | 66.8%+2.4pp | 74.5%-5.3pp | 67.6%+1.6pp |
| Annual return | 14.55% | 25.58%-11.0pp | 24.91%-10.4pp | 35.63%-21.1pp |
| Employer contribution / active EE | $2,618 | $3,107-15.7% | $3,870-32.4% | $2,756-5.0% |
| Participant deferral / active EE | $5,625 | $3,871+45.3% | $5,058+11.2% | $4,297+30.9% |
| Admin fee / account holder | $4,948 | $6,717-26.3% | $8,401-41.1% | $6,935-28.6% |