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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 | $135,954 | $94,031+44.6% | $115,768+17.4% | $82,448+64.9% |
| Participation rate | 13.3% | 70.4%-57.1pp | 74.4%-61.1pp | 68.1%-54.7pp |
| Annual return | 17.45% | 20.61%-3.2pp | 100.46%-83.0pp | 41.64%-24.2pp |
| Employer contribution / active EE | $3,112 | $2,323+34.0% | $2,940+5.9% | $2,551+22.0% |
| Participant deferral / active EE | $3,560 | $3,972-10.4% | $4,917-27.6% | $4,139-14.0% |
| Admin fee / account holder | $6,658 | $10,249-35.0% | $12,439-46.5% | $7,234-8.0% |