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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 | $85,189 | $73,978+15.2% | $96,515-11.7% | $75,173+13.3% |
| Participation rate | 62.8% | 66.4%-3.6pp | 74.3%-11.6pp | 67.2%-4.4pp |
| Annual return | 14.02% | 26.72%-12.7pp | 35.73%-21.7pp | 160.72%-146.7pp |
| Employer contribution / active EE | $6,037 | $2,931+106.0% | $3,740+61.4% | $2,671+126.0% |
| Participant deferral / active EE | $4,530 | $3,660+23.8% | $4,880-7.2% | $4,126+9.8% |
| Admin fee / account holder | $4,676 | $5,219-10.4% | $6,735-30.6% | $5,651-17.2% |