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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 | $111,691 | $76,834+45.4% | $108,359+3.1% | $87,485+27.7% |
| Participation rate | 61.1% | 61.7%-0.6pp | 70.1%-9.0pp | 68.9%-7.8pp |
| Annual return | 12.46% | 19.09%-6.6pp | 36.89%-24.4pp | 26.06%-13.6pp |
| Employer contribution / active EE | $2,886 | $1,556+85.4% | $2,399+20.3% | $2,596+11.2% |
| Participant deferral / active EE | $5,486 | $3,100+77.0% | $4,137+32.6% | $4,274+28.4% |
| Admin fee / account holder | $1,443 | $6,537-77.9% | $9,741-85.2% | $7,775-81.4% |