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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 | $141,411 | $58,627+141.2% | $76,735+84.3% | $82,448+71.5% |
| Participation rate | 54.5% | 63.2%-8.7pp | 69.5%-15.0pp | 68.1%-13.5pp |
| Annual return | 13.18% | 39.10%-25.9pp | 29.77%-16.6pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,909 | $1,729+10.4% | $2,454-22.2% | $2,551-25.2% |
| Participant deferral / active EE | $5,420 | $3,134+73.0% | $4,088+32.6% | $4,139+31.0% |
| Admin fee / account holder | $10,661 | $5,323+100.3% | $7,189+48.3% | $7,234+47.4% |