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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 | $135,211 | $115,931+16.6% | $185,441-27.1% | $86,983+55.4% |
| Participation rate | 61.3% | 73.6%-12.4pp | 80.3%-19.0pp | 69.5%-8.3pp |
| Annual return | 12.15% | 21.47%-9.3pp | 20.16%-8.0pp | 25.83%-13.7pp |
| Employer contribution / active EE | $1,164 | $2,937-60.4% | $4,672-75.1% | $2,584-55.0% |
| Participant deferral / active EE | $8,052 | $4,551+76.9% | $6,152+30.9% | $4,194+92.0% |
| Admin fee / account holder | $15,601 | $10,687+46.0% | $17,890-12.8% | $7,856+98.6% |