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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 | $110,835 | $74,535+48.7% | $100,712+10.1% | $82,637+34.1% |
| Participation rate | 61.5% | 61.2%+0.4pp | 69.3%-7.7pp | 68.1%-6.5pp |
| Annual return | 12.80% | 18.92%-6.1pp | 33.27%-20.5pp | 53.51%-40.7pp |
| Employer contribution / active EE | $2,175 | $1,503+44.7% | $2,313-6.0% | $2,552-14.8% |
| Participant deferral / active EE | $3,919 | $3,074+27.5% | $4,085-4.1% | $4,126-5.0% |
| Admin fee / account holder | $36,224 | $6,576+450.9% | $9,256+291.3% | $7,339+393.6% |