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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 | $113,225 | $76,367+48.3% | $93,614+20.9% | $72,983+55.1% |
| Participation rate | 63.3% | 71.7%-8.4pp | 75.8%-12.5pp | 69.5%-6.2pp |
| Annual return | 21.13% | 25.82%-4.7pp | 32.76%-11.6pp | 81.01%-59.9pp |
| Employer contribution / active EE | $1,401 | $2,275-38.4% | $2,718-48.4% | $2,440-42.6% |
| Participant deferral / active EE | $4,253 | $3,538+20.2% | $4,069+4.5% | $3,608+17.9% |
| Admin fee / account holder | $846 | $6,838-87.6% | $7,889-89.3% | $5,124-83.5% |