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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 | $158,810 | $86,938+82.7% | $102,423+55.1% | $80,925+96.2% |
| Participation rate | 59.0% | 72.4%-13.4pp | 76.5%-17.5pp | 67.7%-8.7pp |
| Annual return | 13.13% | 18.89%-5.8pp | 29.42%-16.3pp | 35.65%-22.5pp |
| Employer contribution / active EE | $3,093 | $2,369+30.6% | $3,023+2.3% | $2,756+12.2% |
| Participant deferral / active EE | $6,154 | $4,120+49.4% | $5,054+21.8% | $4,299+43.2% |
| Admin fee / account holder | $12,964 | $8,053+61.0% | $9,455+37.1% | $6,940+86.8% |