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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 | $114,467 | $86,940+31.7% | $102,434+11.7% | $80,935+41.4% |
| Participation rate | 67.1% | 72.4%-5.3pp | 76.5%-9.4pp | 67.7%-0.6pp |
| Annual return | 13.49% | 18.89%-5.4pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $3,132 | $2,370+32.2% | $3,023+3.6% | $2,757+13.6% |
| Participant deferral / active EE | $4,135 | $4,121+0.3% | $5,055-18.2% | $4,299-3.8% |
| Admin fee / account holder | $15,570 | $8,047+93.5% | $9,462+64.6% | $6,924+124.9% |