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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 | $138,221 | $81,504+69.6% | $102,437+34.9% | $80,959+70.7% |
| Participation rate | 63.3% | 66.9%-3.5pp | 74.5%-11.2pp | 67.7%-4.3pp |
| Annual return | 11.54% | 25.60%-14.1pp | 24.95%-13.4pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,929 | $3,104-37.8% | $3,871-50.2% | $2,757-30.0% |
| Participant deferral / active EE | $5,182 | $3,871+33.9% | $5,060+2.4% | $4,300+20.5% |
| Admin fee / account holder | $4,688 | $6,719-30.2% | $8,388-44.1% | $6,925-32.3% |