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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 | $109,484 | $107,421+1.9% | $182,262-39.9% | $94,015+16.5% |
| Participation rate | 60.3% | 77.8%-17.5pp | 84.2%-23.9pp | 70.8%-10.5pp |
| Annual return | 16.28% | 21.32%-5.0pp | 140.60%-124.3pp | 17.84%-1.6pp |
| Employer contribution / active EE | $1,542 | $3,448-55.3% | $5,046-69.4% | $2,790-44.7% |
| Participant deferral / active EE | $8,611 | $6,558+31.3% | $8,276+4.0% | $4,249+102.6% |
| Admin fee / account holder | $9,540 | $8,692+9.8% | $16,712-42.9% | $8,951+6.6% |