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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 | $130,113 | $146,267-11.0% | $197,124-34.0% | $82,448+57.8% |
| Participation rate | 66.7% | 84.0%-17.3pp | 86.7%-20.0pp | 68.1%-1.4pp |
| Annual return | 31.41% | 29.61%+1.8pp | 44.34%-12.9pp | 41.64%-10.2pp |
| Employer contribution / active EE | $6,159 | $4,723+30.4% | $6,227-1.1% | $2,551+141.4% |
| Participant deferral / active EE | $14,524 | $7,035+106.5% | $9,135+59.0% | $4,139+250.9% |
| Admin fee / account holder | $5,408 | $14,422-62.5% | $16,298-66.8% | $7,234-25.2% |