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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 | $145,456 | $138,385+5.1% | $184,200-21.0% | $80,874+79.9% |
| Participation rate | 63.6% | 83.9%-20.2pp | 86.8%-23.2pp | 67.6%-4.0pp |
| Annual return | 11.37% | 20.02%-8.6pp | 28.80%-17.4pp | 35.62%-24.2pp |
| Employer contribution / active EE | $4,434 | $4,849-8.6% | $6,424-31.0% | $2,756+60.9% |
| Participant deferral / active EE | $8,106 | $7,073+14.6% | $9,132-11.2% | $4,297+88.6% |
| Admin fee / account holder | $15,638 | $10,483+49.2% | $13,907+12.4% | $6,935+125.5% |