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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 | $130,256 | $101,778+28.0% | $164,975-21.0% | $80,925+61.0% |
| Participation rate | 60.0% | 71.8%-11.8pp | 78.6%-18.6pp | 67.7%-7.7pp |
| Annual return | 13.07% | 16.73%-3.7pp | 70.12%-57.0pp | 35.65%-22.6pp |
| Employer contribution / active EE | $2,912 | $2,954-1.4% | $4,343-32.9% | $2,756+5.7% |
| Participant deferral / active EE | $6,796 | $4,477+51.8% | $6,033+12.6% | $4,299+58.1% |
| Admin fee / account holder | $6,779 | $8,221-17.5% | $12,688-46.6% | $6,940-2.3% |