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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 | $141,939 | $95,453+48.7% | $112,040+26.7% | $82,448+72.2% |
| Participation rate | 65.7% | 72.8%-7.0pp | 76.5%-10.8pp | 68.1%-2.4pp |
| Annual return | 14.98% | 23.92%-8.9pp | 24.52%-9.5pp | 41.64%-26.7pp |
| Employer contribution / active EE | $3,463 | $2,318+49.4% | $2,954+17.2% | $2,551+35.7% |
| Participant deferral / active EE | $9,102 | $4,224+115.5% | $5,098+78.5% | $4,139+119.9% |
| Admin fee / account holder | $4,871 | $9,013-46.0% | $12,098-59.7% | $7,234-32.7% |