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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 | $129,180 | $72,471+78.2% | $94,215+37.1% | $86,983+48.5% |
| Participation rate | 58.6% | 63.9%-5.2pp | 70.0%-11.3pp | 69.5%-10.9pp |
| Annual return | 14.33% | 26.44%-12.1pp | 28.22%-13.9pp | 25.83%-11.5pp |
| Employer contribution / active EE | $5,014 | $1,936+159.0% | $2,675+87.4% | $2,584+94.0% |
| Participant deferral / active EE | $1,529 | $3,397-55.0% | $4,276-64.2% | $4,194-63.5% |
| Admin fee / account holder | $587 | $6,468-90.9% | $10,216-94.3% | $7,856-92.5% |