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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 | $131,180 | $78,520+67.1% | $96,576+35.8% | $82,448+59.1% |
| Participation rate | 57.1% | 77.7%-20.6pp | 81.4%-24.3pp | 68.1%-10.9pp |
| Annual return | 15.67% | 41.30%-25.6pp | 38.47%-22.8pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,905 | $2,630+10.5% | $3,553-18.2% | $2,551+13.9% |
| Participant deferral / active EE | $5,389 | $6,754-20.2% | $7,956-32.3% | $4,139+30.2% |
| Admin fee / account holder | $13,600 | $13,455+1.1% | $11,381+19.5% | $7,234+88.0% |