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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 | $101,040 | $86,949+16.2% | $102,460-1.4% | $80,959+24.8% |
| Participation rate | 60.6% | 72.4%-11.8pp | 76.5%-15.9pp | 67.7%-7.1pp |
| Annual return | 11.62% | 18.89%-7.3pp | 29.47%-17.9pp | 35.67%-24.1pp |
| Employer contribution / active EE | $2,767 | $2,370+16.8% | $3,025-8.5% | $2,757+0.4% |
| Participant deferral / active EE | $5,252 | $4,121+27.4% | $5,056+3.9% | $4,300+22.1% |
| Admin fee / account holder | $26,994 | $8,048+235.4% | $9,460+185.3% | $6,925+289.8% |