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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 | $135,119 | $93,345+44.8% | $119,126+13.4% | $87,485+54.4% |
| Participation rate | 54.0% | 68.7%-14.7pp | 75.8%-21.8pp | 68.9%-14.9pp |
| Annual return | 18.44% | 19.08%-0.6pp | 282.11%-263.7pp | 26.06%-7.6pp |
| Employer contribution / active EE | $2,654 | $3,172-16.3% | $4,034-34.2% | $2,596+2.2% |
| Participant deferral / active EE | $7,568 | $4,099+84.6% | $5,318+42.3% | $4,274+77.1% |
| Admin fee / account holder | $6,251 | $8,039-22.2% | $10,693-41.5% | $7,775-19.6% |