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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 | $118,468 | $86,949+36.3% | $102,460+15.6% | $80,959+46.3% |
| Participation rate | 66.1% | 72.4%-6.3pp | 76.5%-10.4pp | 67.7%-1.5pp |
| Annual return | 13.18% | 18.89%-5.7pp | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,908 | $2,370-19.5% | $3,025-36.9% | $2,757-30.8% |
| Participant deferral / active EE | $4,533 | $4,121+10.0% | $5,056-10.3% | $4,300+5.4% |
| Admin fee / account holder | $8,920 | $8,048+10.8% | $9,460-5.7% | $6,925+28.8% |