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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 | $131,581 | $254,759-48.4% | $216,567-39.2% | $198,609-33.7% |
| Participation rate | 62.5% | 84.5%-22.0pp | 81.6%-19.1pp | 82.4%-19.9pp |
| Annual return | 15.45% | 10.04%+5.4pp | 12.94%+2.5pp | 202.70%-187.2pp |
| Employer contribution / active EE | $3,050 | $6,096-50.0% | $5,216-41.5% | $5,055-39.7% |
| Participant deferral / active EE | $11,403 | $6,948+64.1% | $6,191+84.2% | $6,977+63.4% |
| Admin fee / account holder | $26,700 | $26,311+1.5% | $21,981+21.5% | $19,030+40.3% |