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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 | $135,885 | $100,194+35.6% | $122,979+10.5% | $86,983+56.2% |
| Participation rate | 64.1% | 73.0%-8.9pp | 77.2%-13.1pp | 69.5%-5.5pp |
| Annual return | 11.27% | 16.47%-5.2pp | 20.12%-8.8pp | 25.83%-14.6pp |
| Employer contribution / active EE | $2,323 | $2,326-0.1% | $3,062-24.2% | $2,584-10.1% |
| Participant deferral / active EE | $5,019 | $4,133+21.4% | $5,003+0.3% | $4,194+19.7% |
| Admin fee / account holder | $10,072 | $10,148-0.7% | $12,864-21.7% | $7,856+28.2% |