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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 | $118,777 | $70,486+68.5% | $100,535+18.1% | $79,856+48.7% |
| Participation rate | 56.7% | 73.6%-17.0pp | 79.4%-22.7pp | 69.6%-13.0pp |
| Annual return | 14.09% | 21.90%-7.8pp | 30.90%-16.8pp | 31.71%-17.6pp |
| Employer contribution / active EE | $3,225 | $2,165+49.0% | $3,419-5.7% | $2,471+30.5% |
| Participant deferral / active EE | $5,971 | $5,182+15.2% | $6,271-4.8% | $3,741+59.6% |
| Admin fee / account holder | $1,489 | $4,480-66.8% | $8,085-81.6% | $5,306-71.9% |