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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 | $75,541+75.5% | $152,093-12.8% | $82,637+60.5% |
| Participation rate | 56.4% | 66.5%-10.2pp | 77.8%-21.4pp | 68.1%-11.7pp |
| Annual return | 17.15% | 32.56%-15.4pp | 66.36%-49.2pp | 53.51%-36.4pp |
| Employer contribution / active EE | $2,570 | $2,622-2.0% | $4,175-38.4% | $2,552+0.7% |
| Participant deferral / active EE | $4,954 | $3,206+54.5% | $5,451-9.1% | $4,126+20.1% |
| Admin fee / account holder | $9,816 | $6,405+53.3% | $14,497-32.3% | $7,339+33.8% |