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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 | $132,596 | $77,814+70.4% | $158,223-16.2% | $86,983+52.4% |
| Participation rate | 56.4% | 68.4%-12.1pp | 79.2%-22.8pp | 69.5%-13.2pp |
| Annual return | 17.15% | 30.54%-13.4pp | 52.09%-34.9pp | 25.83%-8.7pp |
| Employer contribution / active EE | $2,570 | $2,592-0.9% | $4,109-37.4% | $2,584-0.6% |
| Participant deferral / active EE | $4,954 | $3,270+51.5% | $5,467-9.4% | $4,194+18.1% |
| Admin fee / account holder | $9,816 | $5,879+67.0% | $16,047-38.8% | $7,856+25.0% |