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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 | $137,195 | $105,284+30.3% | $150,734-9.0% | $94,015+45.9% |
| Participation rate | 51.5% | 71.7%-20.2pp | 78.4%-26.9pp | 70.8%-19.3pp |
| Annual return | 16.81% | 15.67%+1.1pp | 600.81%-584.0pp | 17.84%-1.0pp |
| Employer contribution / active EE | $2,892 | $3,599-19.6% | $4,918-41.2% | $2,790+3.7% |
| Participant deferral / active EE | $5,307 | $4,274+24.2% | $5,610-5.4% | $4,249+24.9% |
| Admin fee / account holder | $1,515 | $9,839-84.6% | $14,905-89.8% | $8,951-83.1% |