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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 | $122,580 | $81,446+50.5% | $103,374+18.6% | $80,874+51.6% |
| Participation rate | 58.0% | 66.9%-8.9pp | 74.5%-16.5pp | 67.6%-9.6pp |
| Annual return | 12.19% | 25.57%-13.4pp | 24.89%-12.7pp | 35.62%-23.4pp |
| Employer contribution / active EE | $2,647 | $3,107-14.8% | $3,869-31.6% | $2,756-3.9% |
| Participant deferral / active EE | $5,902 | $3,870+52.5% | $5,058+16.7% | $4,297+37.4% |
| Admin fee / account holder | $6,183 | $6,715-7.9% | $8,394-26.3% | $6,935-10.8% |