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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 | $116,913 | $86,922+34.5% | $102,438+14.1% | $80,874+44.6% |
| Participation rate | 69.6% | 72.4%-2.7pp | 76.5%-6.9pp | 67.6%+2.0pp |
| Annual return | 20.37% | 18.90%+1.5pp | 29.37%-9.0pp | 35.62%-15.2pp |
| Employer contribution / active EE | $982 | $2,369-58.6% | $3,024-67.5% | $2,756-64.4% |
| Participant deferral / active EE | $5,724 | $4,119+39.0% | $5,054+13.3% | $4,297+33.2% |
| Admin fee / account holder | $27,582 | $8,050+242.6% | $9,448+191.9% | $6,935+297.7% |