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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 | $100,082 | $101,778-1.7% | $164,975-39.3% | $80,925+23.7% |
| Participation rate | 66.7% | 71.8%-5.2pp | 78.6%-11.9pp | 67.7%-1.0pp |
| Annual return | 12.15% | 16.73%-4.6pp | 70.12%-58.0pp | 35.65%-23.5pp |
| Employer contribution / active EE | $3,722 | $2,954+26.0% | $4,343-14.3% | $2,756+35.0% |
| Participant deferral / active EE | $5,229 | $4,477+16.8% | $6,033-13.3% | $4,299+21.6% |
| Admin fee / account holder | $20,953 | $8,221+154.9% | $12,688+65.1% | $6,940+201.9% |