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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 | $81,476+50.4% | $102,383+19.7% | $80,925+51.5% |
| Participation rate | 58.0% | 66.8%-8.8pp | 74.5%-16.5pp | 67.7%-9.7pp |
| Annual return | 12.19% | 25.59%-13.4pp | 24.94%-12.7pp | 35.65%-23.5pp |
| Employer contribution / active EE | $2,647 | $3,105-14.7% | $3,870-31.6% | $2,756-4.0% |
| Participant deferral / active EE | $5,902 | $3,871+52.5% | $5,060+16.7% | $4,299+37.3% |
| Admin fee / account holder | $6,183 | $6,717-8.0% | $8,391-26.3% | $6,940-10.9% |