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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 | $151,729 | $86,938+74.5% | $102,423+48.1% | $80,925+87.5% |
| Participation rate | 68.8% | 72.4%-3.6pp | 76.5%-7.8pp | 67.7%+1.1pp |
| Annual return | 13.10% | 18.89%-5.8pp | 29.42%-16.3pp | 35.65%-22.6pp |
| Employer contribution / active EE | $3,577 | $2,369+51.0% | $3,023+18.3% | $2,756+29.8% |
| Participant deferral / active EE | $9,037 | $4,120+119.3% | $5,054+78.8% | $4,299+110.2% |
| Admin fee / account holder | $4,560 | $8,053-43.4% | $9,455-51.8% | $6,940-34.3% |