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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 | $123,295 | $73,787+67.1% | $98,716+24.9% | $82,448+49.5% |
| Participation rate | 66.7% | 61.4%+5.3pp | 69.3%-2.6pp | 68.1%-1.4pp |
| Annual return | 13.63% | 18.57%-4.9pp | 31.81%-18.2pp | 41.64%-28.0pp |
| Employer contribution / active EE | $1,940 | $1,511+28.3% | $2,279-14.9% | $2,551-24.0% |
| Participant deferral / active EE | $5,715 | $3,081+85.5% | $4,048+41.2% | $4,139+38.1% |
| Admin fee / account holder | $75,866 | $6,500+1067.1% | $8,703+771.7% | $7,234+948.7% |