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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 | $126,721 | $118,488+6.9% | $98,462+28.7% | $139,487-9.2% |
| Participation rate | 50.0% | 77.5%-27.5pp | 75.2%-25.2pp | 80.3%-30.3pp |
| Annual return | 15.25% | 18.96%-3.7pp | 21.17%-5.9pp | 373.84%-358.6pp |
| Employer contribution / active EE | $2,450 | $3,611-32.1% | $3,049-19.6% | $4,755-48.5% |
| Participant deferral / active EE | $4,984 | $5,393-7.6% | $4,738+5.2% | $6,713-25.8% |
| Admin fee / account holder | $2,201 | $13,868-84.1% | $8,875-75.2% | $11,407-80.7% |