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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 | $105,657 | $81,487+29.7% | $102,412+3.2% | $80,935+30.5% |
| Participation rate | 63.6% | 66.8%-3.2pp | 74.5%-10.9pp | 67.7%-4.0pp |
| Annual return | 17.07% | 25.60%-8.5pp | 24.94%-7.9pp | 35.66%-18.6pp |
| Employer contribution / active EE | $3,035 | $3,103-2.2% | $3,870-21.6% | $2,757+10.1% |
| Participant deferral / active EE | $5,410 | $3,871+39.8% | $5,060+6.9% | $4,299+25.8% |
| Admin fee / account holder | $4,053 | $6,717-39.7% | $8,388-51.7% | $6,924-41.5% |