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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 | $143,041 | $77,358+84.9% | $102,184+40.0% | $87,485+63.5% |
| Participation rate | 69.8% | 78.7%-8.9pp | 82.6%-12.8pp | 68.9%+0.8pp |
| Annual return | 14.62% | 41.11%-26.5pp | 31.58%-17.0pp | 26.06%-11.4pp |
| Employer contribution / active EE | $2,991 | $2,562+16.8% | $3,594-16.8% | $2,596+15.2% |
| Participant deferral / active EE | $5,471 | $6,753-19.0% | $8,309-34.2% | $4,274+28.0% |
| Admin fee / account holder | $7,722 | $6,809+13.4% | $11,609-33.5% | $7,775-0.7% |