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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 | $121,466 | $71,878+69.0% | $86,698+40.1% | $68,486+77.4% |
| Participation rate | 57.5% | 72.2%-14.7pp | 76.6%-19.1pp | 67.9%-10.4pp |
| Annual return | -6.54% | 3.53%-10.1pp | 35.95%-42.5pp | -7.85%+1.3pp |
| Employer contribution / active EE | $3,199 | $2,173+47.2% | $2,837+12.8% | $2,597+23.2% |
| Participant deferral / active EE | $5,631 | $3,779+49.0% | $4,656+20.9% | $4,028+39.8% |
| Admin fee / account holder | $3,588 | $6,113-41.3% | $7,493-52.1% | $5,404-33.6% |