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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 | $116,010 | $80,983+43.3% | $96,544+20.2% | $75,177+54.3% |
| Participation rate | 62.9% | 71.8%-8.9pp | 76.0%-13.1pp | 67.2%-4.3pp |
| Annual return | 13.76% | 27.05%-13.3pp | 25.88%-12.1pp | 160.75%-147.0pp |
| Employer contribution / active EE | $1,754 | $2,282-23.2% | $2,966-40.9% | $2,671-34.3% |
| Participant deferral / active EE | $4,828 | $3,929+22.9% | $4,851-0.5% | $4,126+17.0% |
| Admin fee / account holder | $3,010 | $6,717-55.2% | $8,254-63.5% | $5,651-46.7% |