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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 | $118,483 | $77,962+52.0% | $178,540-33.6% | $80,935+46.4% |
| Participation rate | 64.9% | 65.7%-0.7pp | 77.1%-12.2pp | 67.7%-2.7pp |
| Annual return | 12.97% | 18.10%-5.1pp | 27.15%-14.2pp | 35.66%-22.7pp |
| Employer contribution / active EE | $2,530 | $2,280+10.9% | $3,953-36.0% | $2,757-8.2% |
| Participant deferral / active EE | $6,359 | $4,404+44.4% | $6,281+1.2% | $4,299+47.9% |
| Admin fee / account holder | $9,537 | $7,156+33.3% | $10,424-8.5% | $6,924+37.7% |