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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 | $105,388 | $87,060+21.1% | $105,591-0.2% | $80,911+30.3% |
| Participation rate | 63.6% | 70.4%-6.8pp | 75.3%-11.6pp | 67.6%-4.0pp |
| Annual return | 12.43% | 17.05%-4.6pp | 116.43%-104.0pp | 35.63%-23.2pp |
| Employer contribution / active EE | $2,435 | $2,396+1.6% | $3,166-23.1% | $2,756-11.6% |
| Participant deferral / active EE | $4,627 | $3,986+16.1% | $5,008-7.6% | $4,297+7.7% |
| Admin fee / account holder | $16,762 | $8,442+98.5% | $11,024+52.1% | $6,935+141.7% |