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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 | $122,154 | $81,504+49.9% | $102,437+19.2% | $80,959+50.9% |
| Participation rate | 61.5% | 66.9%-5.3pp | 74.5%-13.0pp | 67.7%-6.1pp |
| Annual return | 13.60% | 25.60%-12.0pp | 24.95%-11.3pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,870 | $3,104-7.5% | $3,871-25.8% | $2,757+4.1% |
| Participant deferral / active EE | $6,616 | $3,871+70.9% | $5,060+30.7% | $4,300+53.8% |
| Admin fee / account holder | $2,188 | $6,719-67.4% | $8,388-73.9% | $6,925-68.4% |