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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 | $116,146 | $101,795+14.1% | $165,100-29.7% | $80,959+43.5% |
| Participation rate | 66.2% | 71.8%-5.7pp | 78.6%-12.4pp | 67.7%-1.5pp |
| Annual return | 14.03% | 16.73%-2.7pp | 70.21%-56.2pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,033 | $2,954-65.0% | $4,348-76.2% | $2,757-62.5% |
| Participant deferral / active EE | $7,103 | $4,476+58.7% | $6,035+17.7% | $4,300+65.2% |
| Admin fee / account holder | $10,993 | $8,221+33.7% | $12,696-13.4% | $6,925+58.7% |