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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 | $98,849 | $93,345+5.9% | $119,126-17.0% | $87,485+13.0% |
| Participation rate | 65.5% | 68.7%-3.3pp | 75.8%-10.3pp | 68.9%-3.5pp |
| Annual return | 18.39% | 19.08%-0.7pp | 282.11%-263.7pp | 26.06%-7.7pp |
| Employer contribution / active EE | $2,359 | $3,172-25.6% | $4,034-41.5% | $2,596-9.1% |
| Participant deferral / active EE | $5,255 | $4,099+28.2% | $5,318-1.2% | $4,274+23.0% |
| Admin fee / account holder | $1,453 | $8,039-81.9% | $10,693-86.4% | $7,775-81.3% |