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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 | $109,864 | $106,524+3.1% | $152,301-27.9% | $87,485+25.6% |
| Participation rate | 64.0% | 75.8%-11.8pp | 82.4%-18.4pp | 68.9%-4.9pp |
| Annual return | 19.71% | 26.89%-7.2pp | 80.50%-60.8pp | 26.06%-6.4pp |
| Employer contribution / active EE | $2,828 | $3,371-16.1% | $4,624-38.8% | $2,596+8.9% |
| Participant deferral / active EE | $6,161 | $6,525-5.6% | $8,004-23.0% | $4,274+44.2% |
| Admin fee / account holder | $3,046 | $8,287-63.2% | $14,398-78.8% | $7,775-60.8% |