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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 | $77,472+79.1% | $100,392+38.2% | $80,935+71.5% |
| Participation rate | 64.0% | 76.9%-12.9pp | 81.5%-17.5pp | 67.7%-3.7pp |
| Annual return | 25.12% | 37.26%-12.1pp | 49.45%-24.3pp | 35.66%-10.5pp |
| Employer contribution / active EE | $2,366 | $2,800-15.5% | $3,941-40.0% | $2,757-14.2% |
| Participant deferral / active EE | $6,292 | $6,818-7.7% | $8,090-22.2% | $4,299+46.4% |
| Admin fee / account holder | $4,052 | $5,885-31.2% | $7,904-48.7% | $6,924-41.5% |