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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 | $122,689 | $95,453+28.5% | $112,040+9.5% | $82,448+48.8% |
| Participation rate | 67.2% | 72.8%-5.5pp | 76.5%-9.3pp | 68.1%-0.9pp |
| Annual return | 16.04% | 23.92%-7.9pp | 24.52%-8.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $1,847 | $2,318-20.3% | $2,954-37.5% | $2,551-27.6% |
| Participant deferral / active EE | $3,483 | $4,224-17.5% | $5,098-31.7% | $4,139-15.9% |
| Admin fee / account holder | $4,365 | $9,013-51.6% | $12,098-63.9% | $7,234-39.7% |