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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 | $118,774 | $77,472+53.3% | $100,415+18.3% | $80,959+46.7% |
| Participation rate | 68.3% | 76.9%-8.7pp | 81.5%-13.2pp | 67.7%+0.6pp |
| Annual return | 13.75% | 37.26%-23.5pp | 49.47%-35.7pp | 35.67%-21.9pp |
| Employer contribution / active EE | $2,524 | $2,800-9.9% | $3,943-36.0% | $2,757-8.5% |
| Participant deferral / active EE | $6,179 | $6,818-9.4% | $8,091-23.6% | $4,300+43.7% |
| Admin fee / account holder | $5,371 | $5,885-8.7% | $7,906-32.1% | $6,925-22.4% |