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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 | $124,681 | $78,670+58.5% | $109,173+14.2% | $85,847+45.2% |
| Participation rate | 62.2% | 68.3%-6.1pp | 75.9%-13.7pp | 69.3%-7.2pp |
| Annual return | 11.95% | 25.09%-13.1pp | 25.75%-13.8pp | 318.61%-306.7pp |
| Employer contribution / active EE | $2,303 | $2,734-15.7% | $3,723-38.1% | $2,565-10.2% |
| Participant deferral / active EE | $4,589 | $3,467+32.3% | $4,654-1.4% | $3,952+16.1% |
| Admin fee / account holder | $11,101 | $5,469+103.0% | $6,755+64.3% | $6,261+77.3% |