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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 | $115,187 | $69,590+65.5% | $136,867-15.8% | $94,015+22.5% |
| Participation rate | 60.7% | 66.3%-5.7pp | 74.5%-13.9pp | 70.8%-10.2pp |
| Annual return | 13.26% | 19.62%-6.4pp | 42.97%-29.7pp | 17.84%-4.6pp |
| Employer contribution / active EE | $2,545 | $2,396+6.2% | $3,547-28.2% | $2,790-8.8% |
| Participant deferral / active EE | $5,209 | $3,437+51.6% | $4,924+5.8% | $4,249+22.6% |
| Admin fee / account holder | $9,747 | $8,912+9.4% | $10,340-5.7% | $8,951+8.9% |