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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 | $112,057 | $88,672+26.4% | $105,223+6.5% | $82,448+35.9% |
| Participation rate | 64.1% | 67.9%-3.8pp | 75.0%-10.9pp | 68.1%-4.0pp |
| Annual return | 17.36% | 30.86%-13.5pp | 180.65%-163.3pp | 41.64%-24.3pp |
| Employer contribution / active EE | $2,669 | $3,048-12.4% | $3,689-27.6% | $2,551+4.6% |
| Participant deferral / active EE | $5,538 | $4,036+37.2% | $5,072+9.2% | $4,139+33.8% |
| Admin fee / account holder | $3,923 | $7,146-45.1% | $8,859-55.7% | $7,234-45.8% |