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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 | $140,814 | $81,504+72.8% | $102,437+37.5% | $80,959+73.9% |
| Participation rate | 55.1% | 66.9%-11.7pp | 74.5%-19.4pp | 67.7%-12.6pp |
| Annual return | 13.09% | 25.60%-12.5pp | 24.95%-11.9pp | 35.67%-22.6pp |
| Employer contribution / active EE | $2,167 | $3,104-30.2% | $3,871-44.0% | $2,757-21.4% |
| Participant deferral / active EE | $4,342 | $3,871+12.2% | $5,060-14.2% | $4,300+1.0% |
| Admin fee / account holder | $4,491 | $6,719-33.2% | $8,388-46.5% | $6,925-35.2% |