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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 | $117,553 | $86,949+35.2% | $102,460+14.7% | $80,959+45.2% |
| Participation rate | 64.3% | 72.4%-8.1pp | 76.5%-12.2pp | 67.7%-3.4pp |
| Annual return | 13.18% | 18.89%-5.7pp | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $2,741 | $2,370+15.7% | $3,025-9.4% | $2,757-0.6% |
| Participant deferral / active EE | $5,126 | $4,121+24.4% | $5,056+1.4% | $4,300+19.2% |
| Admin fee / account holder | $1,495 | $8,048-81.4% | $9,460-84.2% | $6,925-78.4% |