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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 | $125,903 | $95,453+31.9% | $112,040+12.4% | $82,448+52.7% |
| Participation rate | 66.0% | 72.8%-6.7pp | 76.5%-10.5pp | 68.1%-2.0pp |
| Annual return | 15.28% | 23.92%-8.6pp | 24.52%-9.2pp | 41.64%-26.4pp |
| Employer contribution / active EE | $2,953 | $2,318+27.4% | $2,9540% | $2,551+15.8% |
| Participant deferral / active EE | $4,852 | $4,224+14.9% | $5,098-4.8% | $4,139+17.2% |
| Admin fee / account holder | $4,681 | $9,013-48.1% | $12,098-61.3% | $7,234-35.3% |