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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 | $111,798 | $81,487+37.2% | $102,412+9.2% | $80,935+38.1% |
| Participation rate | 54.3% | 66.8%-12.5pp | 74.5%-20.2pp | 67.7%-13.3pp |
| Annual return | 15.51% | 25.60%-10.1pp | 24.94%-9.4pp | 35.66%-20.1pp |
| Employer contribution / active EE | $2,900 | $3,103-6.6% | $3,870-25.1% | $2,757+5.2% |
| Participant deferral / active EE | $5,012 | $3,871+29.5% | $5,060-1.0% | $4,299+16.6% |
| Admin fee / account holder | $1,272 | $6,717-81.1% | $8,388-84.8% | $6,924-81.6% |