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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 | $134,239 | $95,453+40.6% | $112,040+19.8% | $82,448+62.8% |
| Participation rate | 59.3% | 72.8%-13.5pp | 76.5%-17.2pp | 68.1%-8.8pp |
| Annual return | 19.20% | 23.92%-4.7pp | 24.52%-5.3pp | 41.64%-22.4pp |
| Employer contribution / active EE | $1,452 | $2,318-37.3% | $2,954-50.8% | $2,551-43.1% |
| Participant deferral / active EE | $4,738 | $4,224+12.2% | $5,098-7.0% | $4,139+14.5% |
| Admin fee / account holder | $5,215 | $9,013-42.1% | $12,098-56.9% | $7,234-27.9% |