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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 | $118,135 | $69,273+70.5% | $90,796+30.1% | $82,637+43.0% |
| Participation rate | 63.2% | 64.0%-0.9pp | 69.5%-6.3pp | 68.1%-4.9pp |
| Annual return | 14.21% | 18.37%-4.2pp | 19.29%-5.1pp | 53.51%-39.3pp |
| Employer contribution / active EE | $2,231 | $1,865+19.6% | $2,294-2.7% | $2,552-12.6% |
| Participant deferral / active EE | $4,653 | $3,047+52.7% | $3,822+21.8% | $4,126+12.8% |
| Admin fee / account holder | $16,462 | $5,511+198.7% | $7,024+134.4% | $7,339+124.3% |