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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 | $106,553 | $58,627+81.7% | $76,735+38.9% | $82,448+29.2% |
| Participation rate | 59.6% | 63.2%-3.6pp | 69.5%-9.9pp | 68.1%-8.5pp |
| Annual return | 13.96% | 39.10%-25.1pp | 29.77%-15.8pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,641 | $1,729-5.1% | $2,454-33.1% | $2,551-35.7% |
| Participant deferral / active EE | $3,742 | $3,134+19.4% | $4,088-8.5% | $4,139-9.6% |
| Admin fee / account holder | $9,122 | $5,323+71.4% | $7,189+26.9% | $7,234+26.1% |