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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 | $131,885 | $95,404+38.2% | $113,397+16.3% | $82,637+59.6% |
| Participation rate | 69.8% | 72.8%-3.1pp | 76.5%-6.7pp | 68.1%+1.7pp |
| Annual return | 12.38% | 19.08%-6.7pp | 23.20%-10.8pp | 53.51%-41.1pp |
| Employer contribution / active EE | $2,807 | $2,307+21.7% | $2,977-5.7% | $2,552+10.0% |
| Participant deferral / active EE | $6,308 | $4,220+49.5% | $5,076+24.3% | $4,126+52.9% |
| Admin fee / account holder | $23,284 | $9,168+154.0% | $11,957+94.7% | $7,339+217.3% |