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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 | $138,785 | $110,379+25.7% | $102,412+35.5% | $145,884-4.9% |
| Participation rate | 53.8% | 77.9%-24.1pp | 74.5%-20.7pp | 80.3%-26.5pp |
| Annual return | 9.68% | 24.84%-15.2pp | 24.94%-15.3pp | 551.85%-542.2pp |
| Employer contribution / active EE | $1,935 | $4,216-54.1% | $3,870-50.0% | $4,662-58.5% |
| Participant deferral / active EE | $4,881 | $5,622-13.2% | $5,060-3.5% | $6,690-27.0% |
| Admin fee / account holder | $2,456 | $9,745-74.8% | $8,388-70.7% | $13,392-81.7% |