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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 | $138,402 | $86,940+59.2% | $102,434+35.1% | $80,935+71.0% |
| Participation rate | 57.7% | 72.4%-14.7pp | 76.5%-18.8pp | 67.7%-10.0pp |
| Annual return | 13.39% | 18.89%-5.5pp | 29.46%-16.1pp | 35.66%-22.3pp |
| Employer contribution / active EE | $1,396 | $2,370-41.1% | $3,023-53.8% | $2,757-49.4% |
| Participant deferral / active EE | $5,241 | $4,121+27.2% | $5,055+3.7% | $4,299+21.9% |
| Admin fee / account holder | $11,427 | $8,047+42.0% | $9,462+20.8% | $6,924+65.0% |