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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 | $76,834+60.5% | $108,359+13.8% | $87,485+40.9% |
| Participation rate | 66.7% | 61.7%+4.9pp | 70.1%-3.5pp | 68.9%-2.3pp |
| Annual return | 13.63% | 19.09%-5.5pp | 36.89%-23.3pp | 26.06%-12.4pp |
| Employer contribution / active EE | $1,940 | $1,556+24.6% | $2,399-19.2% | $2,596-25.3% |
| Participant deferral / active EE | $5,715 | $3,100+84.3% | $4,137+38.1% | $4,274+33.7% |
| Admin fee / account holder | $75,866 | $6,537+1060.6% | $9,741+678.9% | $7,775+875.8% |