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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 | $116,653 | $81,276+43.5% | $155,574-25.0% | $80,925+44.1% |
| Participation rate | 66.7% | 66.2%+0.4pp | 78.2%-11.5pp | 67.7%-1.0pp |
| Annual return | 14.16% | 33.36%-19.2pp | 64.87%-50.7pp | 35.65%-21.5pp |
| Employer contribution / active EE | $2,889 | $3,103-6.9% | $4,676-38.2% | $2,756+4.8% |
| Participant deferral / active EE | $5,552 | $3,453+60.8% | $5,629-1.4% | $4,299+29.2% |
| Admin fee / account holder | $15,731 | $7,993+96.8% | $15,914-1.2% | $6,940+126.7% |