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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 | $123,012 | $81,504+50.9% | $102,437+20.1% | $80,959+51.9% |
| Participation rate | 65.6% | 66.9%-1.2pp | 74.5%-8.9pp | 67.7%-2.0pp |
| Annual return | 17.72% | 25.60%-7.9pp | 24.95%-7.2pp | 35.67%-18.0pp |
| Employer contribution / active EE | $1,522 | $3,104-51.0% | $3,871-60.7% | $2,757-44.8% |
| Participant deferral / active EE | $4,786 | $3,871+23.6% | $5,060-5.4% | $4,300+11.3% |
| Admin fee / account holder | $7,202 | $6,719+7.2% | $8,388-14.1% | $6,925+4.0% |