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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 | $101,788 | $93,617+8.7% | $135,982-25.1% | $75,177+35.4% |
| Participation rate | 66.0% | 75.2%-9.2pp | 81.9%-16.0pp | 67.2%-1.2pp |
| Annual return | 17.28% | 30.89%-13.6pp | 68.32%-51.0pp | 160.75%-143.5pp |
| Employer contribution / active EE | $6,819 | $3,538+92.7% | $4,859+40.3% | $2,671+155.3% |
| Participant deferral / active EE | $13,479 | $6,406+110.4% | $7,760+73.7% | $4,126+226.7% |
| Admin fee / account holder | $5,729 | $6,980-17.9% | $10,767-46.8% | $5,651+1.4% |