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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 | $105,799 | $64,324+64.5% | $118,946-11.1% | $79,858+32.5% |
| Participation rate | 68.1% | 64.9%+3.2pp | 75.4%-7.3pp | 69.6%-1.6pp |
| Annual return | 14.35% | 86.45%-72.1pp | 35.89%-21.5pp | 31.72%-17.4pp |
| Employer contribution / active EE | $1,738 | $1,836-5.4% | $3,263-46.7% | $2,471-29.7% |
| Participant deferral / active EE | $3,813 | $2,824+35.1% | $4,266-10.6% | $3,740+2.0% |
| Admin fee / account holder | $2,849 | $4,040-29.5% | $6,581-56.7% | $5,306-46.3% |