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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 | $119,525 | $82,882+44.2% | $127,803-6.5% | $72,976+63.8% |
| Participation rate | 65.5% | 71.5%-6.1pp | 79.0%-13.6pp | 69.5%-4.0pp |
| Annual return | 23.75% | 32.20%-8.5pp | 26.14%-2.4pp | 81.02%-57.3pp |
| Employer contribution / active EE | $3,423 | $3,346+2.3% | $4,576-25.2% | $2,440+40.3% |
| Participant deferral / active EE | $10,105 | $4,791+110.9% | $6,023+67.8% | $3,608+180.1% |
| Admin fee / account holder | $16,658 | $6,487+156.8% | $9,399+77.2% | $5,124+225.1% |