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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 | $88,813 | $78,707+12.8% | $117,861-24.6% | $70,126+26.6% |
| Participation rate | 60.7% | 73.2%-12.5pp | 79.7%-19.0pp | 69.5%-8.8pp |
| Annual return | 14.94% | 23.30%-8.4pp | 335.11%-320.2pp | 73.15%-58.2pp |
| Employer contribution / active EE | $1,818 | $2,223-18.2% | $3,786-52.0% | $2,343-22.4% |
| Participant deferral / active EE | $3,301 | $3,297+0.1% | $4,482-26.3% | $3,332-0.9% |
| Admin fee / account holder | $2,633 | $5,066-48.0% | $8,021-67.2% | $4,645-43.3% |