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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 | $132,359 | $77,896+69.9% | $134,172-1.4% | $82,448+60.5% |
| Participation rate | 62.5% | 62.8%-0.3pp | 72.5%-10.0pp | 68.1%-5.6pp |
| Annual return | 14.18% | 18.21%-4.0pp | 25.30%-11.1pp | 41.64%-27.5pp |
| Employer contribution / active EE | $2,340 | $2,159+8.4% | $3,420-31.6% | $2,551-8.3% |
| Participant deferral / active EE | $4,295 | $3,162+35.8% | $4,690-8.4% | $4,139+3.8% |
| Admin fee / account holder | $22,971 | $6,336+262.5% | $12,016+91.2% | $7,234+217.5% |