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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 | $141,373 | $77,896+81.5% | $134,172+5.4% | $82,448+71.5% |
| Participation rate | 67.1% | 62.8%+4.3pp | 72.5%-5.4pp | 68.1%-1.0pp |
| Annual return | 15.85% | 18.21%-2.4pp | 25.30%-9.4pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,948 | $2,159-9.8% | $3,420-43.0% | $2,551-23.6% |
| Participant deferral / active EE | $4,374 | $3,162+38.3% | $4,690-6.8% | $4,139+5.7% |
| Admin fee / account holder | $4,023 | $6,336-36.5% | $12,016-66.5% | $7,234-44.4% |