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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 | $134,749 | $110,137+22.3% | $161,149-16.4% | $82,637+63.1% |
| Participation rate | 65.3% | 72.4%-7.0pp | 78.8%-13.5pp | 68.1%-2.7pp |
| Annual return | 14.35% | 20.69%-6.3pp | 21.16%-6.8pp | 53.51%-39.2pp |
| Employer contribution / active EE | $820 | $2,856-71.3% | $4,360-81.2% | $2,552-67.9% |
| Participant deferral / active EE | $6,135 | $4,575+34.1% | $6,153-0.3% | $4,126+48.7% |
| Admin fee / account holder | $8,737 | $9,467-7.7% | $15,194-42.5% | $7,339+19.1% |