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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 | $118,421 | $70,475+68.0% | $100,530+17.8% | $79,858+48.3% |
| Participation rate | 66.7% | 73.7%-7.0pp | 79.4%-12.7pp | 69.6%-3.0pp |
| Annual return | 19.48% | 21.90%-2.4pp | 30.89%-11.4pp | 31.72%-12.2pp |
| Employer contribution / active EE | $2,344 | $2,165+8.3% | $3,418-31.4% | $2,471-5.1% |
| Participant deferral / active EE | $2,912 | $5,181-43.8% | $6,271-53.6% | $3,740-22.1% |
| Admin fee / account holder | $2,066 | $4,478-53.9% | $8,083-74.4% | $5,306-61.1% |