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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 | $110,612 | $143,969-23.2% | $199,883-44.7% | $82,637+33.9% |
| Participation rate | 63.7% | 84.1%-20.4pp | 86.8%-23.0pp | 68.1%-4.3pp |
| Annual return | 34.55% | 25.67%+8.9pp | 43.81%-9.3pp | 53.51%-19.0pp |
| Employer contribution / active EE | $4,978 | $4,632+7.5% | $6,261-20.5% | $2,552+95.0% |
| Participant deferral / active EE | $9,470 | $6,937+36.5% | $9,138+3.6% | $4,126+129.5% |
| Admin fee / account holder | $7,898 | $14,597-45.9% | $17,268-54.3% | $7,339+7.6% |