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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 | $110,258 | $86,938+26.8% | $102,423+7.6% | $80,925+36.2% |
| Participation rate | 61.5% | 72.4%-10.8pp | 76.5%-15.0pp | 67.7%-6.1pp |
| Annual return | 17.23% | 18.89%-1.7pp | 29.42%-12.2pp | 35.65%-18.4pp |
| Employer contribution / active EE | $1,430 | $2,369-39.6% | $3,023-52.7% | $2,756-48.1% |
| Participant deferral / active EE | $15,259 | $4,120+270.3% | $5,054+201.9% | $4,299+255.0% |
| Admin fee / account holder | $19,899 | $8,053+147.1% | $9,455+110.5% | $6,940+186.7% |