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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 | $143,932 | $81,504+76.6% | $102,437+40.5% | $80,959+77.8% |
| Participation rate | 61.3% | 66.9%-5.6pp | 74.5%-13.2pp | 67.7%-6.4pp |
| Annual return | 13.54% | 25.60%-12.1pp | 24.95%-11.4pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,520 | $3,104-18.8% | $3,871-34.9% | $2,757-8.6% |
| Participant deferral / active EE | $4,280 | $3,871+10.6% | $5,060-15.4% | $4,300-0.5% |
| Admin fee / account holder | $516 | $6,719-92.3% | $8,388-93.9% | $6,925-92.6% |