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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 | $135,330 | $106,864+26.6% | $147,318-8.1% | $82,637+63.8% |
| Participation rate | 65.4% | 75.5%-10.1pp | 82.1%-16.7pp | 68.1%-2.7pp |
| Annual return | 15.33% | 27.49%-12.2pp | 70.43%-55.1pp | 53.51%-38.2pp |
| Employer contribution / active EE | $1,678 | $3,417-50.9% | $4,593-63.5% | $2,552-34.2% |
| Participant deferral / active EE | $6,201 | $6,496-4.5% | $7,906-21.6% | $4,126+50.3% |
| Admin fee / account holder | $9,547 | $8,415+13.4% | $13,708-30.4% | $7,339+30.1% |