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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 | $126,342 | $93,617+35.0% | $135,982-7.1% | $75,177+68.1% |
| Participation rate | 63.8% | 75.2%-11.4pp | 81.9%-18.1pp | 67.2%-3.4pp |
| Annual return | 17.22% | 30.89%-13.7pp | 68.32%-51.1pp | 160.75%-143.5pp |
| Employer contribution / active EE | $1,027 | $3,538-71.0% | $4,859-78.9% | $2,671-61.5% |
| Participant deferral / active EE | $7,184 | $6,406+12.1% | $7,760-7.4% | $4,126+74.1% |
| Admin fee / account holder | $9,723 | $6,980+39.3% | $10,767-9.7% | $5,651+72.0% |