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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 | $186,049 | $95,404+95.0% | $113,397+64.1% | $82,637+125.1% |
| Participation rate | 68.8% | 72.8%-4.1pp | 76.5%-7.7pp | 68.1%+0.7pp |
| Annual return | 14.99% | 19.08%-4.1pp | 23.20%-8.2pp | 53.51%-38.5pp |
| Employer contribution / active EE | $2,898 | $2,307+25.6% | $2,977-2.7% | $2,552+13.6% |
| Participant deferral / active EE | $5,511 | $4,220+30.6% | $5,076+8.6% | $4,126+33.6% |
| Admin fee / account holder | $6,844 | $9,168-25.3% | $11,957-42.8% | $7,339-6.7% |