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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 | $105,284+6.4% | $150,734-25.7% | $94,015+19.2% |
| Participation rate | 64.1% | 71.7%-7.6pp | 78.4%-14.3pp | 70.8%-6.7pp |
| Annual return | 17.36% | 15.67%+1.7pp | 600.81%-583.4pp | 17.84%-0.5pp |
| Employer contribution / active EE | $2,669 | $3,599-25.8% | $4,918-45.7% | $2,790-4.3% |
| Participant deferral / active EE | $5,538 | $4,274+29.6% | $5,610-1.3% | $4,249+30.3% |
| Admin fee / account holder | $3,923 | $9,839-60.1% | $14,905-73.7% | $8,951-56.2% |