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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 | $107,596 | $65,367+64.6% | $92,915+15.8% | $72,976+47.4% |
| Participation rate | 57.1% | 68.3%-11.2pp | 76.0%-18.9pp | 69.5%-12.3pp |
| Annual return | 17.40% | 42.11%-24.7pp | 109.45%-92.0pp | 81.02%-63.6pp |
| Employer contribution / active EE | $2,307 | $2,594-11.1% | $3,653-36.9% | $2,440-5.4% |
| Participant deferral / active EE | $5,316 | $3,128+69.9% | $4,238+25.4% | $3,608+47.4% |
| Admin fee / account holder | $2,284 | $4,251-46.3% | $5,796-60.6% | $5,124-55.4% |