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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 | $134,742 | $101,795+32.4% | $165,100-18.4% | $80,959+66.4% |
| Participation rate | 65.5% | 71.8%-6.3pp | 78.6%-13.1pp | 67.7%-2.2pp |
| Annual return | 11.02% | 16.73%-5.7pp | 70.21%-59.2pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,279 | $2,954-56.7% | $4,348-70.6% | $2,757-53.6% |
| Participant deferral / active EE | $5,206 | $4,476+16.3% | $6,035-13.7% | $4,300+21.1% |
| Admin fee / account holder | $3,544 | $8,221-56.9% | $12,696-72.1% | $6,925-48.8% |