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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 | $147,249 | $81,487+80.7% | $102,412+43.8% | $80,935+81.9% |
| Participation rate | 67.3% | 66.8%+0.5pp | 74.5%-7.2pp | 67.7%-0.3pp |
| Annual return | 12.77% | 25.60%-12.8pp | 24.94%-12.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $2,114 | $3,103-31.9% | $3,870-45.4% | $2,757-23.3% |
| Participant deferral / active EE | $5,183 | $3,871+33.9% | $5,060+2.4% | $4,299+20.5% |
| Admin fee / account holder | $6,881 | $6,717+2.4% | $8,388-18.0% | $6,924-0.6% |