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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 | $69,444+103.6% | $92,985+52.1% | $87,485+61.6% |
| Participation rate | 54.5% | 63.3%-8.7pp | 69.5%-14.9pp | 68.9%-14.4pp |
| Annual return | 13.18% | 23.85%-10.7pp | 27.99%-14.8pp | 26.06%-12.9pp |
| Employer contribution / active EE | $1,909 | $1,917-0.4% | $2,662-28.3% | $2,596-26.5% |
| Participant deferral / active EE | $5,420 | $3,364+61.1% | $4,377+23.8% | $4,274+26.8% |
| Admin fee / account holder | $10,661 | $6,137+73.7% | $9,463+12.7% | $7,775+37.1% |