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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 | $164,251 | $81,446+101.7% | $103,374+58.9% | $80,874+103.1% |
| Participation rate | 65.7% | 66.9%-1.1pp | 74.5%-8.8pp | 67.6%-1.9pp |
| Annual return | 13.18% | 25.57%-12.4pp | 24.89%-11.7pp | 35.62%-22.4pp |
| Employer contribution / active EE | $2,814 | $3,107-9.4% | $3,869-27.3% | $2,756+2.1% |
| Participant deferral / active EE | $5,051 | $3,870+30.5% | $5,058-0.1% | $4,297+17.6% |
| Admin fee / account holder | $5,586 | $6,715-16.8% | $8,394-33.5% | $6,935-19.5% |