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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 | $136,298 | $106,247+28.3% | $96,515+41.2% | $139,466-2.3% |
| Participation rate | 53.8% | 77.8%-24.0pp | 74.3%-20.5pp | 80.3%-26.5pp |
| Annual return | 27.82% | 38.47%-10.6pp | 35.73%-7.9pp | 373.66%-345.8pp |
| Employer contribution / active EE | $1,400 | $4,106-65.9% | $3,740-62.6% | $4,754-70.6% |
| Participant deferral / active EE | $5,789 | $5,456+6.1% | $4,880+18.6% | $6,712-13.7% |
| Admin fee / account holder | $1,445 | $7,885-81.7% | $6,735-78.5% | $11,409-87.3% |