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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 | $95,404+34.2% | $113,397+12.9% | $82,637+55.0% |
| Participation rate | 68.9% | 72.8%-3.9pp | 76.5%-7.6pp | 68.1%+0.8pp |
| Annual return | 13.97% | 19.08%-5.1pp | 23.20%-9.2pp | 53.51%-39.5pp |
| Employer contribution / active EE | $1,343 | $2,307-41.8% | $2,977-54.9% | $2,552-47.4% |
| Participant deferral / active EE | $12,747 | $4,220+202.1% | $5,076+151.1% | $4,126+208.9% |
| Admin fee / account holder | $4,580 | $9,168-50.0% | $11,957-61.7% | $7,339-37.6% |