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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 | $122,147 | $60,349+102.4% | $74,184+64.7% | $62,881+94.3% |
| Participation rate | 65.5% | 72.7%-7.2pp | 76.6%-11.1pp | 69.3%-3.8pp |
| Annual return | 9.30% | 21.38%-12.1pp | 17.74%-8.4pp | 20.14%-10.8pp |
| Employer contribution / active EE | $360 | $1,680-78.6% | $2,370-84.8% | $2,281-84.2% |
| Participant deferral / active EE | $5,446 | $2,856+90.7% | $3,550+53.4% | $3,203+70.0% |
| Admin fee / account holder | $6,357 | $4,261+49.2% | $5,586+13.8% | $4,296+48.0% |