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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 | $109,075 | $101,795+7.2% | $165,100-33.9% | $80,959+34.7% |
| Participation rate | 64.8% | 71.8%-7.0pp | 78.6%-13.8pp | 67.7%-2.9pp |
| Annual return | 49.35% | 16.73%+32.6pp | 70.21%-20.9pp | 35.67%+13.7pp |
| Employer contribution / active EE | $2,260 | $2,954-23.5% | $4,348-48.0% | $2,757-18.0% |
| Participant deferral / active EE | $4,711 | $4,476+5.3% | $6,035-21.9% | $4,300+9.5% |
| Admin fee / account holder | $4,187 | $8,221-49.1% | $12,696-67.0% | $6,925-39.5% |