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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 | $139,812 | $99,875+40.0% | $146,866-4.8% | $86,983+60.7% |
| Participation rate | 60.4% | 75.8%-15.4pp | 82.5%-22.1pp | 69.5%-9.1pp |
| Annual return | 17.49% | 28.10%-10.6pp | 102.85%-85.4pp | 25.83%-8.3pp |
| Employer contribution / active EE | $815 | $3,224-74.7% | $4,425-81.6% | $2,584-68.5% |
| Participant deferral / active EE | $8,267 | $6,322+30.8% | $7,759+6.5% | $4,194+97.1% |
| Admin fee / account holder | $4,989 | $7,838-36.3% | $13,620-63.4% | $7,856-36.5% |