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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 | $111,684 | $81,276+37.4% | $155,574-28.2% | $80,925+38.0% |
| Participation rate | 67.8% | 66.2%+1.6pp | 78.2%-10.4pp | 67.7%+0.2pp |
| Annual return | 11.35% | 33.36%-22.0pp | 64.87%-53.5pp | 35.65%-24.3pp |
| Employer contribution / active EE | $2,056 | $3,103-33.7% | $4,676-56.0% | $2,756-25.4% |
| Participant deferral / active EE | $6,913 | $3,453+100.2% | $5,629+22.8% | $4,299+60.8% |
| Admin fee / account holder | $14,694 | $7,993+83.8% | $15,914-7.7% | $6,940+111.7% |