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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 | $116,829 | $81,487+43.4% | $102,412+14.1% | $80,935+44.3% |
| Participation rate | 56.3% | 66.8%-10.5pp | 74.5%-18.2pp | 67.7%-11.3pp |
| Annual return | 10.70% | 25.60%-14.9pp | 24.94%-14.2pp | 35.66%-25.0pp |
| Employer contribution / active EE | $2,078 | $3,103-33.0% | $3,870-46.3% | $2,757-24.6% |
| Participant deferral / active EE | $3,617 | $3,871-6.6% | $5,060-28.5% | $4,299-15.9% |
| Admin fee / account holder | $3,936 | $6,717-41.4% | $8,388-53.1% | $6,924-43.2% |