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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 | $114,721 | $68,880+66.6% | $120,580-4.9% | $80,959+41.7% |
| Participation rate | 62.0% | 61.7%+0.3pp | 72.0%-10.0pp | 67.7%-5.7pp |
| Annual return | 13.56% | 23.68%-10.1pp | 107.48%-93.9pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,462 | $2,066+19.1% | $3,469-29.0% | $2,757-10.7% |
| Participant deferral / active EE | $4,938 | $3,191+54.8% | $4,995-1.2% | $4,300+14.8% |
| Admin fee / account holder | $5,470 | $5,785-5.4% | $9,418-41.9% | $6,925-21.0% |