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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 | $97,550+29.1% | $120,344+4.6% | $87,485+43.9% |
| Participation rate | 66.0% | 72.8%-6.8pp | 76.7%-10.7pp | 68.9%-2.9pp |
| Annual return | 15.28% | 18.41%-3.1pp | 20.30%-5.0pp | 26.06%-10.8pp |
| Employer contribution / active EE | $2,953 | $2,291+28.9% | $3,020-2.2% | $2,596+13.8% |
| Participant deferral / active EE | $4,852 | $4,230+14.7% | $5,135-5.5% | $4,274+13.5% |
| Admin fee / account holder | $4,681 | $9,543-50.9% | $12,742-63.3% | $7,775-39.8% |