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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 | $116,641 | $78,027+49.5% | $178,528-34.7% | $80,925+44.1% |
| Participation rate | 67.9% | 65.7%+2.2pp | 77.1%-9.2pp | 67.7%+0.2pp |
| Annual return | 11.32% | 18.09%-6.8pp | 27.11%-15.8pp | 35.65%-24.3pp |
| Employer contribution / active EE | $2,823 | $2,281+23.7% | $3,950-28.5% | $2,756+2.4% |
| Participant deferral / active EE | $5,959 | $4,408+35.2% | $6,278-5.1% | $4,299+38.6% |
| Admin fee / account holder | $10,009 | $7,168+39.6% | $10,419-3.9% | $6,940+44.2% |