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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 | $111,509 | $124,980-10.8% | $108,359+2.9% | $154,746-27.9% |
| Participation rate | 54.2% | 75.2%-21.0pp | 70.1%-16.0pp | 80.7%-26.5pp |
| Annual return | 14.26% | 45.00%-30.7pp | 36.89%-22.6pp | 172.34%-158.1pp |
| Employer contribution / active EE | $2,142 | $2,851-24.9% | $2,399-10.7% | $4,379-51.1% |
| Participant deferral / active EE | $4,329 | $4,743-8.7% | $4,137+4.6% | $6,730-35.7% |
| Admin fee / account holder | $11,026 | $11,502-4.1% | $9,741+13.2% | $14,365-23.2% |