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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 | $113,099 | $106,524+6.2% | $152,301-25.7% | $87,485+29.3% |
| Participation rate | 62.7% | 75.8%-13.0pp | 82.4%-19.7pp | 68.9%-6.2pp |
| Annual return | 18.10% | 26.89%-8.8pp | 80.50%-62.4pp | 26.06%-8.0pp |
| Employer contribution / active EE | $5,263 | $3,371+56.1% | $4,624+13.8% | $2,596+102.7% |
| Participant deferral / active EE | $4,528 | $6,525-30.6% | $8,004-43.4% | $4,274+5.9% |
| Admin fee / account holder | $3,100 | $8,287-62.6% | $14,398-78.5% | $7,775-60.1% |