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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 | $108,807 | $94,436+15.2% | $115,599-5.9% | $82,637+31.7% |
| Participation rate | 66.7% | 70.4%-3.8pp | 74.3%-7.6pp | 68.1%-1.4pp |
| Annual return | 15.78% | 18.37%-2.6pp | 111.10%-95.3pp | 53.51%-37.7pp |
| Employer contribution / active EE | $2,335 | $2,324+0.5% | $2,955-21.0% | $2,552-8.5% |
| Participant deferral / active EE | $5,001 | $3,955+26.4% | $4,889+2.3% | $4,126+21.2% |
| Admin fee / account holder | $1,856 | $10,328-82.0% | $12,841-85.5% | $7,339-74.7% |