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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 | $109,368 | $75,541+44.8% | $152,093-28.1% | $82,637+32.3% |
| Participation rate | 65.7% | 66.5%-0.8pp | 77.8%-12.1pp | 68.1%-2.3pp |
| Annual return | 15.17% | 32.56%-17.4pp | 66.36%-51.2pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,487 | $2,622-43.3% | $4,175-64.4% | $2,552-41.7% |
| Participant deferral / active EE | $3,284 | $3,206+2.4% | $5,451-39.8% | $4,126-20.4% |
| Admin fee / account holder | $3,269 | $6,405-49.0% | $14,497-77.5% | $7,339-55.5% |