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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 | $138,764 | $77,492+79.1% | $100,398+38.2% | $80,911+71.5% |
| Participation rate | 64.0% | 76.9%-12.9pp | 81.5%-17.5pp | 67.6%-3.6pp |
| Annual return | 25.12% | 37.23%-12.1pp | 49.32%-24.2pp | 35.63%-10.5pp |
| Employer contribution / active EE | $2,366 | $2,800-15.5% | $3,946-40.0% | $2,756-14.1% |
| Participant deferral / active EE | $6,292 | $6,817-7.7% | $8,084-22.2% | $4,297+46.4% |
| Admin fee / account holder | $4,052 | $5,892-31.2% | $7,893-48.7% | $6,935-41.6% |