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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 | $81,331+43.4% | $155,534-25.0% | $80,935+44.1% |
| Participation rate | 66.7% | 66.3%+0.4pp | 78.2%-11.6pp | 67.7%-1.0pp |
| Annual return | 14.16% | 33.37%-19.2pp | 64.92%-50.8pp | 35.66%-21.5pp |
| Employer contribution / active EE | $2,889 | $3,105-6.9% | $4,675-38.2% | $2,757+4.8% |
| Participant deferral / active EE | $5,552 | $3,454+60.7% | $5,630-1.4% | $4,299+29.1% |
| Admin fee / account holder | $15,731 | $7,999+96.7% | $15,900-1.1% | $6,924+127.2% |