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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 | $110,384 | $81,476+35.5% | $102,383+7.8% | $80,925+36.4% |
| Participation rate | 61.9% | 66.8%-4.9pp | 74.5%-12.6pp | 67.7%-5.8pp |
| Annual return | 11.87% | 25.59%-13.7pp | 24.94%-13.1pp | 35.65%-23.8pp |
| Employer contribution / active EE | $2,706 | $3,105-12.8% | $3,870-30.1% | $2,756-1.8% |
| Participant deferral / active EE | $5,374 | $3,871+38.8% | $5,060+6.2% | $4,299+25.0% |
| Admin fee / account holder | $2,084 | $6,717-69.0% | $8,391-75.2% | $6,940-70.0% |