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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 | $128,500 | $81,457+57.8% | $103,378+24.3% | $80,911+58.8% |
| Participation rate | 64.8% | 66.8%-2.0pp | 74.5%-9.7pp | 67.6%-2.8pp |
| Annual return | 13.23% | 25.58%-12.3pp | 24.91%-11.7pp | 35.63%-22.4pp |
| Employer contribution / active EE | $2,896 | $3,107-6.8% | $3,870-25.2% | $2,756+5.1% |
| Participant deferral / active EE | $3,115 | $3,871-19.5% | $5,058-38.4% | $4,297-27.5% |
| Admin fee / account holder | $6,293 | $6,717-6.3% | $8,401-25.1% | $6,935-9.2% |