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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 | $133,943 | $78,015+71.7% | $178,505-25.0% | $80,959+65.4% |
| Participation rate | 57.1% | 65.7%-8.5pp | 77.1%-20.0pp | 67.7%-10.5pp |
| Annual return | 10.80% | 18.10%-7.3pp | 27.16%-16.4pp | 35.67%-24.9pp |
| Employer contribution / active EE | $2,463 | $2,281+8.0% | $3,955-37.7% | $2,757-10.7% |
| Participant deferral / active EE | $5,914 | $4,406+34.2% | $6,280-5.8% | $4,300+37.5% |
| Admin fee / account holder | $22,027 | $7,160+207.6% | $10,428+111.2% | $6,925+218.1% |