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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 | $86,922+36.3% | $102,438+15.6% | $80,874+46.5% |
| Participation rate | 66.1% | 72.4%-6.3pp | 76.5%-10.4pp | 67.6%-1.5pp |
| Annual return | 13.18% | 18.90%-5.7pp | 29.37%-16.2pp | 35.62%-22.4pp |
| Employer contribution / active EE | $1,908 | $2,369-19.5% | $3,024-36.9% | $2,756-30.8% |
| Participant deferral / active EE | $4,533 | $4,119+10.1% | $5,054-10.3% | $4,297+5.5% |
| Admin fee / account holder | $8,920 | $8,050+10.8% | $9,448-5.6% | $6,935+28.6% |