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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 | $149,828 | $86,940+72.3% | $102,434+46.3% | $80,935+85.1% |
| Participation rate | 61.4% | 72.4%-11.0pp | 76.5%-15.1pp | 67.7%-6.3pp |
| Annual return | 12.97% | 18.89%-5.9pp | 29.46%-16.5pp | 35.66%-22.7pp |
| Employer contribution / active EE | $2,448 | $2,370+3.3% | $3,023-19.0% | $2,757-11.2% |
| Participant deferral / active EE | $4,485 | $4,121+8.8% | $5,055-11.3% | $4,299+4.3% |
| Admin fee / account holder | $6,063 | $8,047-24.7% | $9,462-35.9% | $6,924-12.4% |