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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 | $140,782 | $172,111-18.2% | $150,298-6.3% | $137,256+2.6% |
| Participation rate | 37.5% | 81.7%-44.2pp | 77.8%-40.3pp | 80.0%-42.5pp |
| Annual return | 15.29% | 69.37%-54.1pp | 62.79%-47.5pp | 220.34%-205.1pp |
| Employer contribution / active EE | $2,445 | $4,636-47.3% | $4,154-41.2% | $4,156-41.2% |
| Participant deferral / active EE | $9,625 | $6,166+56.1% | $5,453+76.5% | $6,407+50.2% |
| Admin fee / account holder | $377 | $16,471-97.7% | $14,116-97.3% | $12,270-96.9% |