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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 | $130,687 | $106,749+22.4% | $145,433-10.1% | $82,448+58.5% |
| Participation rate | 67.2% | 75.6%-8.4pp | 82.1%-14.9pp | 68.1%-0.8pp |
| Annual return | 16.75% | 27.59%-10.8pp | 66.58%-49.8pp | 41.64%-24.9pp |
| Employer contribution / active EE | $2,817 | $3,444-18.2% | $4,554-38.1% | $2,551+10.4% |
| Participant deferral / active EE | $6,104 | $6,519-6.4% | $7,897-22.7% | $4,139+47.5% |
| Admin fee / account holder | $664 | $8,390-92.1% | $13,129-94.9% | $7,234-90.8% |