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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 | $147,973 | $86,949+70.2% | $102,460+44.4% | $80,959+82.8% |
| Participation rate | 61.2% | 72.4%-11.2pp | 76.5%-15.3pp | 67.7%-6.5pp |
| Annual return | 12.35% | 18.89%-6.5pp | 29.47%-17.1pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,975 | $2,370-16.6% | $3,025-34.7% | $2,757-28.4% |
| Participant deferral / active EE | $4,032 | $4,121-2.2% | $5,056-20.3% | $4,300-6.2% |
| Admin fee / account holder | $9,792 | $8,048+21.7% | $9,460+3.5% | $6,925+41.4% |