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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 | $104,548 | $110,240-5.2% | $96,544+8.3% | $139,487-25.0% |
| Participation rate | 63.6% | 78.1%-14.5pp | 76.0%-12.3pp | 80.3%-16.7pp |
| Annual return | 17.73% | 26.41%-8.7pp | 25.88%-8.1pp | 373.84%-356.1pp |
| Employer contribution / active EE | $2,405 | $3,622-33.6% | $2,966-18.9% | $4,755-49.4% |
| Participant deferral / active EE | $5,394 | $5,549-2.8% | $4,851+11.2% | $6,713-19.6% |
| Admin fee / account holder | $12,004 | $11,602+3.5% | $8,254+45.4% | $11,407+5.2% |