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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 | $101,919 | $106,864-4.6% | $147,318-30.8% | $82,637+23.3% |
| Participation rate | 63.7% | 75.5%-11.8pp | 82.1%-18.3pp | 68.1%-4.3pp |
| Annual return | 18.65% | 27.49%-8.8pp | 70.43%-51.8pp | 53.51%-34.9pp |
| Employer contribution / active EE | $2,505 | $3,417-26.7% | $4,593-45.5% | $2,552-1.8% |
| Participant deferral / active EE | $4,731 | $6,496-27.2% | $7,906-40.2% | $4,126+14.7% |
| Admin fee / account holder | $2,529 | $8,415-70.0% | $13,708-81.6% | $7,339-65.5% |