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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 | $92,021 | $88,672+3.8% | $105,223-12.5% | $82,448+11.6% |
| Participation rate | 65.0% | 67.9%-2.9pp | 75.0%-10.0pp | 68.1%-3.1pp |
| Annual return | 16.50% | 30.86%-14.4pp | 180.65%-164.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $4,764 | $3,048+56.3% | $3,689+29.1% | $2,551+86.7% |
| Participant deferral / active EE | $11,458 | $4,036+183.9% | $5,072+125.9% | $4,139+176.8% |
| Admin fee / account holder | $8,704 | $7,146+21.8% | $8,859-1.8% | $7,234+20.3% |