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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 | $107,787 | $101,798+5.9% | $165,071-34.7% | $80,935+33.2% |
| Participation rate | 68.9% | 71.8%-2.9pp | 78.6%-9.7pp | 67.7%+1.3pp |
| Annual return | 10.79% | 16.73%-5.9pp | 70.17%-59.4pp | 35.66%-24.9pp |
| Employer contribution / active EE | $2,714 | $2,954-8.1% | $4,347-37.6% | $2,757-1.5% |
| Participant deferral / active EE | $6,163 | $4,476+37.7% | $6,035+2.1% | $4,299+43.3% |
| Admin fee / account holder | $15,631 | $8,221+90.1% | $12,695+23.1% | $6,924+125.7% |