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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 | $148,129 | $81,446+81.9% | $103,374+43.3% | $80,874+83.2% |
| Participation rate | 68.9% | 66.9%+2.0pp | 74.5%-5.7pp | 67.6%+1.2pp |
| Annual return | 19.53% | 25.57%-6.0pp | 24.89%-5.4pp | 35.62%-16.1pp |
| Employer contribution / active EE | $3,043 | $3,107-2.1% | $3,869-21.4% | $2,756+10.4% |
| Participant deferral / active EE | $7,655 | $3,870+97.8% | $5,058+51.4% | $4,297+78.2% |
| Admin fee / account holder | $35,917 | $6,715+434.9% | $8,394+327.9% | $6,935+417.9% |