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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 | $107,312 | $55,713+92.6% | $75,901+41.4% | $72,975+47.1% |
| Participation rate | 62.2% | 61.1%+1.1pp | 69.3%-7.1pp | 69.5%-7.3pp |
| Annual return | 20.85% | 27.60%-6.7pp | 30.76%-9.9pp | 81.01%-60.2pp |
| Employer contribution / active EE | $2,108 | $1,687+24.9% | $2,501-15.7% | $2,440-13.6% |
| Participant deferral / active EE | $4,010 | $2,634+52.2% | $3,603+11.3% | $3,608+11.2% |
| Admin fee / account holder | $2,960 | $3,980-25.6% | $5,420-45.4% | $5,124-42.2% |