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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 | $96,242 | $81,504+18.1% | $102,437-6.0% | $80,959+18.9% |
| Participation rate | 55.9% | 66.9%-10.9pp | 74.5%-18.6pp | 67.7%-11.7pp |
| Annual return | 14.93% | 25.60%-10.7pp | 24.95%-10.0pp | 35.67%-20.7pp |
| Employer contribution / active EE | $3,100 | $3,104-0.1% | $3,871-19.9% | $2,757+12.4% |
| Participant deferral / active EE | $5,301 | $3,871+36.9% | $5,060+4.8% | $4,300+23.3% |
| Admin fee / account holder | $14,071 | $6,719+109.4% | $8,388+67.7% | $6,925+103.2% |