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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 | $124,614 | $72,027+73.0% | $185,835-32.9% | $79,852+56.1% |
| Participation rate | 61.5% | 65.8%-4.2pp | 78.0%-16.5pp | 69.6%-8.1pp |
| Annual return | 24.57% | 23.13%+1.4pp | 35.96%-11.4pp | 31.72%-7.1pp |
| Employer contribution / active EE | $2,004 | $1,965+2.0% | $4,087-51.0% | $2,471-18.9% |
| Participant deferral / active EE | $4,704 | $3,780+24.5% | $5,633-16.5% | $3,740+25.8% |
| Admin fee / account holder | $3,878 | $4,513-14.1% | $9,502-59.2% | $5,306-26.9% |