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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 | $102,702 | $71,878+42.9% | $86,698+18.5% | $68,486+50.0% |
| Participation rate | 60.7% | 72.2%-11.5pp | 76.6%-15.9pp | 67.9%-7.2pp |
| Annual return | 12.34% | 3.53%+8.8pp | 35.95%-23.6pp | -7.85%+20.2pp |
| Employer contribution / active EE | $2,180 | $2,173+0.3% | $2,837-23.1% | $2,597-16.0% |
| Participant deferral / active EE | $4,198 | $3,779+11.1% | $4,656-9.8% | $4,028+4.2% |
| Admin fee / account holder | $20,231 | $6,113+231.0% | $7,493+170.0% | $5,404+274.4% |