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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 | $136,833 | $106,524+28.5% | $152,301-10.2% | $87,485+56.4% |
| Participation rate | 68.2% | 75.8%-7.6pp | 82.4%-14.3pp | 68.9%-0.7pp |
| Annual return | 20.93% | 26.89%-6.0pp | 80.50%-59.6pp | 26.06%-5.1pp |
| Employer contribution / active EE | $2,476 | $3,371-26.6% | $4,624-46.5% | $2,596-4.6% |
| Participant deferral / active EE | $5,217 | $6,525-20.0% | $8,004-34.8% | $4,274+22.1% |
| Admin fee / account holder | $3,626 | $8,287-56.2% | $14,398-74.8% | $7,775-53.4% |