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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 | $90,905 | $72,272+25.8% | $101,264-10.2% | $79,858+13.8% |
| Participation rate | 62.1% | 68.5%-6.4pp | 75.8%-13.7pp | 69.6%-7.6pp |
| Annual return | 10.74% | 22.30%-11.6pp | 46.48%-35.7pp | 31.72%-21.0pp |
| Employer contribution / active EE | $2,695 | $2,692+0.1% | $3,660-26.4% | $2,471+9.1% |
| Participant deferral / active EE | $4,529 | $3,282+38.0% | $4,370+3.6% | $3,740+21.1% |
| Admin fee / account holder | $14,891 | $4,401+238.4% | $5,947+150.4% | $5,306+180.6% |