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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 | $126,345 | $78,423+61.1% | $95,964+31.7% | $79,856+58.2% |
| Participation rate | 63.2% | 73.5%-10.3pp | 77.1%-13.9pp | 69.6%-6.5pp |
| Annual return | 15.50% | 19.37%-3.9pp | 91.64%-76.1pp | 31.71%-16.2pp |
| Employer contribution / active EE | $1,509 | $1,945-22.5% | $2,541-40.6% | $2,471-39.0% |
| Participant deferral / active EE | $5,493 | $3,440+59.7% | $4,167+31.8% | $3,741+46.8% |
| Admin fee / account holder | $7,839 | $5,622+39.4% | $6,797+15.3% | $5,306+47.7% |