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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 | $128,068 | $95,453+34.2% | $112,040+14.3% | $82,448+55.3% |
| Participation rate | 68.9% | 72.8%-3.9pp | 76.5%-7.6pp | 68.1%+0.8pp |
| Annual return | 13.97% | 23.92%-10.0pp | 24.52%-10.5pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,343 | $2,318-42.0% | $2,954-54.5% | $2,551-47.3% |
| Participant deferral / active EE | $12,747 | $4,224+201.8% | $5,098+150.0% | $4,139+207.9% |
| Admin fee / account holder | $4,580 | $9,013-49.2% | $12,098-62.1% | $7,234-36.7% |