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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 | $106,749+2.9% | $145,433-24.5% | $82,448+33.3% |
| Participation rate | 64.0% | 75.6%-11.6pp | 82.1%-18.1pp | 68.1%-4.1pp |
| Annual return | 19.71% | 27.59%-7.9pp | 66.58%-46.9pp | 41.64%-21.9pp |
| Employer contribution / active EE | $2,828 | $3,444-17.9% | $4,554-37.9% | $2,551+10.9% |
| Participant deferral / active EE | $6,161 | $6,519-5.5% | $7,897-22.0% | $4,139+48.8% |
| Admin fee / account holder | $3,046 | $8,390-63.7% | $13,129-76.8% | $7,234-57.9% |