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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 | $107,606 | $77,814+38.3% | $158,223-32.0% | $86,983+23.7% |
| Participation rate | 58.2% | 68.4%-10.2pp | 79.2%-21.0pp | 69.5%-11.3pp |
| Annual return | 19.95% | 30.54%-10.6pp | 52.09%-32.1pp | 25.83%-5.9pp |
| Employer contribution / active EE | $3,287 | $2,592+26.8% | $4,109-20.0% | $2,584+27.2% |
| Participant deferral / active EE | $3,562 | $3,270+9.0% | $5,467-34.8% | $4,194-15.1% |
| Admin fee / account holder | $3,376 | $5,879-42.6% | $16,047-79.0% | $7,856-57.0% |