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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 | $139,212 | $86,938+60.1% | $102,423+35.9% | $80,925+72.0% |
| Participation rate | 61.8% | 72.4%-10.6pp | 76.5%-14.7pp | 67.7%-5.9pp |
| Annual return | 15.42% | 18.89%-3.5pp | 29.42%-14.0pp | 35.65%-20.2pp |
| Employer contribution / active EE | $3,042 | $2,369+28.4% | $3,023+0.6% | $2,756+10.4% |
| Participant deferral / active EE | $7,410 | $4,120+79.8% | $5,054+46.6% | $4,299+72.4% |
| Admin fee / account holder | $6,295 | $8,053-21.8% | $9,455-33.4% | $6,940-9.3% |