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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 | $114,712+30.6% | $173,730-13.7% | $87,485+71.3% |
| Participation rate | 69.8% | 73.0%-3.2pp | 79.6%-9.8pp | 68.9%+0.9pp |
| Annual return | 16.78% | 20.18%-3.4pp | 19.96%-3.2pp | 26.06%-9.3pp |
| Employer contribution / active EE | $2,045 | $2,904-29.6% | $4,577-55.3% | $2,596-21.2% |
| Participant deferral / active EE | $4,290 | $4,642-7.6% | $6,326-32.2% | $4,274+0.4% |
| Admin fee / account holder | $7,778 | $10,210-23.8% | $17,523-55.6% | $7,7750% |