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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 | $93,345+20.0% | $119,126-5.9% | $87,485+28.1% |
| Participation rate | 64.1% | 68.7%-4.6pp | 75.8%-11.7pp | 68.9%-4.8pp |
| Annual return | 17.36% | 19.08%-1.7pp | 282.11%-264.7pp | 26.06%-8.7pp |
| Employer contribution / active EE | $2,669 | $3,172-15.8% | $4,034-33.8% | $2,596+2.8% |
| Participant deferral / active EE | $5,538 | $4,099+35.1% | $5,318+4.1% | $4,274+29.6% |
| Admin fee / account holder | $3,923 | $8,039-51.2% | $10,693-63.3% | $7,775-49.5% |