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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 | $130,946 | $101,795+28.6% | $165,100-20.7% | $80,959+61.7% |
| Participation rate | 63.8% | 71.8%-8.1pp | 78.6%-14.9pp | 67.7%-3.9pp |
| Annual return | 11.56% | 16.73%-5.2pp | 70.21%-58.6pp | 35.67%-24.1pp |
| Employer contribution / active EE | $3,652 | $2,954+23.6% | $4,348-16.0% | $2,757+32.5% |
| Participant deferral / active EE | $3,852 | $4,476-14.0% | $6,035-36.2% | $4,300-10.4% |
| Admin fee / account holder | $811 | $8,221-90.1% | $12,696-93.6% | $6,925-88.3% |