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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 | $125,351 | $81,358+54.1% | $155,556-19.4% | $80,959+54.8% |
| Participation rate | 61.5% | 66.3%-4.7pp | 78.2%-16.7pp | 67.7%-6.1pp |
| Annual return | 14.34% | 33.39%-19.1pp | 64.84%-50.5pp | 35.67%-21.3pp |
| Employer contribution / active EE | $4,432 | $3,106+42.7% | $4,675-5.2% | $2,757+60.7% |
| Participant deferral / active EE | $4,176 | $3,455+20.9% | $5,631-25.8% | $4,300-2.9% |
| Admin fee / account holder | $3,162 | $7,994-60.4% | $15,885-80.1% | $6,925-54.3% |