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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 | $121,285 | $56,287+115.5% | $80,977+49.8% | $62,881+92.9% |
| Participation rate | 64.2% | 68.9%-4.8pp | 75.8%-11.7pp | 69.3%-5.2pp |
| Annual return | 6.22% | 22.13%-15.9pp | 17.11%-10.9pp | 20.14%-13.9pp |
| Employer contribution / active EE | $1,343 | $1,943-30.9% | $3,715-63.8% | $2,281-41.1% |
| Participant deferral / active EE | $3,966 | $4,196-5.5% | $5,696-30.4% | $3,203+23.8% |
| Admin fee / account holder | $6,254 | $3,742+67.1% | $5,517+13.4% | $4,296+45.6% |