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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 | $86,949+82.6% | $102,460+55.0% | $80,959+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 | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $3,093 | $2,370+30.5% | $3,025+2.3% | $2,757+12.2% |
| Participant deferral / active EE | $6,154 | $4,121+49.3% | $5,056+21.7% | $4,300+43.1% |
| Admin fee / account holder | $12,964 | $8,048+61.1% | $9,460+37.0% | $6,925+87.2% |