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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 | $116,442 | $79,955+45.6% | $98,461+18.3% | $75,173+54.9% |
| Participation rate | 63.7% | 70.4%-6.6pp | 75.2%-11.4pp | 67.2%-3.5pp |
| Annual return | 19.83% | 19.75%+0.1pp | 21.17%-1.3pp | 160.72%-140.9pp |
| Employer contribution / active EE | $1,299 | $2,264-42.6% | $3,049-57.4% | $2,671-51.4% |
| Participant deferral / active EE | $3,974 | $3,752+5.9% | $4,738-16.1% | $4,126-3.7% |
| Admin fee / account holder | $4,568 | $6,841-33.2% | $8,961-49.0% | $5,651-19.2% |