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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 | $149,864 | $108,825+37.7% | $156,181-4.0% | $82,448+81.8% |
| Participation rate | 69.8% | 72.4%-2.6pp | 78.8%-9.0pp | 68.1%+1.7pp |
| Annual return | 16.78% | 20.59%-3.8pp | 64.87%-48.1pp | 41.64%-24.9pp |
| Employer contribution / active EE | $2,045 | $2,870-28.7% | $4,294-52.4% | $2,551-19.8% |
| Participant deferral / active EE | $4,290 | $4,577-6.3% | $6,132-30.0% | $4,139+3.6% |
| Admin fee / account holder | $7,778 | $9,341-16.7% | $14,586-46.7% | $7,234+7.5% |