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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 | $110,921 | $102,065+8.7% | $453,569-75.5% | $85,851+29.2% |
| Participation rate | 64.3% | 72.4%-8.1pp | 78.0%-13.7pp | 69.3%-5.0pp |
| Annual return | 12.60% | 25.44%-12.8pp | 64.43%-51.8pp | 318.63%-306.0pp |
| Employer contribution / active EE | $2,015 | $2,852-29.4% | $4,072-50.5% | $2,565-21.5% |
| Participant deferral / active EE | $3,593 | $4,789-25.0% | $6,211-42.2% | $3,952-9.1% |
| Admin fee / account holder | $2,459 | $5,717-57.0% | $11,214-78.1% | $6,261-60.7% |