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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 | $120,208 | $86,949+38.3% | $102,460+17.3% | $80,959+48.5% |
| Participation rate | 60.7% | 72.4%-11.7pp | 76.5%-15.8pp | 67.7%-7.0pp |
| Annual return | 10.74% | 18.89%-8.2pp | 29.47%-18.7pp | 35.67%-24.9pp |
| Employer contribution / active EE | $5,262 | $2,370+122.1% | $3,025+73.9% | $2,757+90.8% |
| Participant deferral / active EE | $2,755 | $4,121-33.1% | $5,056-45.5% | $4,300-35.9% |
| Admin fee / account holder | $4,622 | $8,048-42.6% | $9,460-51.1% | $6,925-33.3% |