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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 | $131,468 | $106,247+23.7% | $96,515+36.2% | $139,466-5.7% |
| Participation rate | 60.9% | 77.8%-17.0pp | 74.3%-13.5pp | 80.3%-19.5pp |
| Annual return | 19.12% | 38.47%-19.3pp | 35.73%-16.6pp | 373.66%-354.5pp |
| Employer contribution / active EE | $2,263 | $4,106-44.9% | $3,740-39.5% | $4,754-52.4% |
| Participant deferral / active EE | $6,803 | $5,456+24.7% | $4,880+39.4% | $6,712+1.4% |
| Admin fee / account holder | $3,131 | $7,885-60.3% | $6,735-53.5% | $11,409-72.6% |