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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 | $143,262 | $86,940+64.8% | $102,434+39.9% | $80,935+77.0% |
| Participation rate | 65.9% | 72.4%-6.5pp | 76.5%-10.7pp | 67.7%-1.8pp |
| Annual return | 15.47% | 18.89%-3.4pp | 29.46%-14.0pp | 35.66%-20.2pp |
| Employer contribution / active EE | $2,838 | $2,370+19.8% | $3,023-6.1% | $2,757+2.9% |
| Participant deferral / active EE | $6,748 | $4,121+63.8% | $5,055+33.5% | $4,299+57.0% |
| Admin fee / account holder | $40,913 | $8,047+408.4% | $9,462+332.4% | $6,924+490.9% |