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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 | $131,798 | $106,524+23.7% | $152,301-13.5% | $87,485+50.7% |
| Participation rate | 64.2% | 75.8%-11.6pp | 82.4%-18.3pp | 68.9%-4.7pp |
| Annual return | 18.32% | 26.89%-8.6pp | 80.50%-62.2pp | 26.06%-7.7pp |
| Employer contribution / active EE | $2,313 | $3,371-31.4% | $4,624-50.0% | $2,596-10.9% |
| Participant deferral / active EE | $4,953 | $6,525-24.1% | $8,004-38.1% | $4,274+15.9% |
| Admin fee / account holder | $2,048 | $8,287-75.3% | $14,398-85.8% | $7,775-73.7% |