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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 | $109,409 | $87,060+25.7% | $105,591+3.6% | $80,911+35.2% |
| Participation rate | 64.6% | 70.4%-5.8pp | 75.3%-10.7pp | 67.6%-3.0pp |
| Annual return | 12.67% | 17.05%-4.4pp | 116.43%-103.8pp | 35.63%-23.0pp |
| Employer contribution / active EE | $2,119 | $2,396-11.6% | $3,166-33.1% | $2,756-23.1% |
| Participant deferral / active EE | $3,714 | $3,986-6.8% | $5,008-25.8% | $4,297-13.6% |
| Admin fee / account holder | $19,746 | $8,442+133.9% | $11,024+79.1% | $6,935+184.7% |