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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 | $124,089 | $73,988+67.7% | $96,538+28.5% | $75,177+65.1% |
| Participation rate | 61.8% | 66.4%-4.7pp | 74.3%-12.6pp | 67.2%-5.4pp |
| Annual return | 14.62% | 26.73%-12.1pp | 35.74%-21.1pp | 160.75%-146.1pp |
| Employer contribution / active EE | $2,558 | $2,930-12.7% | $3,740-31.6% | $2,671-4.3% |
| Participant deferral / active EE | $4,139 | $3,660+13.1% | $4,880-15.2% | $4,126+0.3% |
| Admin fee / account holder | $4,675 | $5,220-10.4% | $6,737-30.6% | $5,651-17.3% |