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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 | $138,386+5.1% | $184,260-21.1% | $80,935+79.7% |
| Participation rate | 63.6% | 83.9%-20.3pp | 86.8%-23.2pp | 67.7%-4.0pp |
| Annual return | 11.37% | 20.02%-8.6pp | 28.84%-17.5pp | 35.66%-24.3pp |
| Employer contribution / active EE | $4,434 | $4,851-8.6% | $6,427-31.0% | $2,757+60.9% |
| Participant deferral / active EE | $8,106 | $7,076+14.6% | $9,133-11.2% | $4,299+88.5% |
| Admin fee / account holder | $15,638 | $10,489+49.1% | $13,898+12.5% | $6,924+125.8% |