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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 | $115,708 | $78,682+47.1% | $109,188+6.0% | $85,851+34.8% |
| Participation rate | 60.7% | 68.3%-7.6pp | 75.9%-15.2pp | 69.3%-8.6pp |
| Annual return | 11.65% | 25.09%-13.4pp | 25.76%-14.1pp | 318.63%-307.0pp |
| Employer contribution / active EE | $2,491 | $2,734-8.9% | $3,723-33.1% | $2,565-2.9% |
| Participant deferral / active EE | $7,542 | $3,468+117.5% | $4,654+62.0% | $3,952+90.8% |
| Admin fee / account holder | $4,425 | $5,470-19.1% | $6,755-34.5% | $6,261-29.3% |