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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 | $131,510 | $110,137+19.4% | $161,149-18.4% | $82,637+59.1% |
| Participation rate | 65.1% | 72.4%-7.2pp | 78.8%-13.7pp | 68.1%-2.9pp |
| Annual return | 20.74% | 20.69%+0.1pp | 21.16%-0.4pp | 53.51%-32.8pp |
| Employer contribution / active EE | $2,427 | $2,856-15.0% | $4,360-44.3% | $2,552-4.9% |
| Participant deferral / active EE | $5,458 | $4,575+19.3% | $6,153-11.3% | $4,126+32.3% |
| Admin fee / account holder | $4,206 | $9,467-55.6% | $15,194-72.3% | $7,339-42.7% |