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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 | $117,398 | $79,867+47.0% | $120,344-2.4% | $64,340+82.5% |
| Participation rate | 65.7% | 63.0%+2.8pp | 76.7%-11.0pp | 55.2%+10.5pp |
| Annual return | 14.97% | 21.10%-6.1pp | 20.30%-5.3pp | 24.14%-9.2pp |
| Employer contribution / active EE | $662 | $1,925-65.6% | $3,020-78.1% | $1,862-64.4% |
| Participant deferral / active EE | $4,280 | $3,593+19.1% | $5,135-16.6% | $2,980+43.6% |
| Admin fee / account holder | $4,269 | $5,039-15.3% | $12,742-66.5% | $3,703+15.3% |