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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 | $99,875+37.0% | $146,866-6.8% | $86,983+57.3% |
| Participation rate | 68.2% | 75.8%-7.6pp | 82.5%-14.3pp | 69.5%-1.4pp |
| Annual return | 20.93% | 28.10%-7.2pp | 102.85%-81.9pp | 25.83%-4.9pp |
| Employer contribution / active EE | $2,476 | $3,224-23.2% | $4,425-44.0% | $2,584-4.2% |
| Participant deferral / active EE | $5,217 | $6,322-17.5% | $7,759-32.8% | $4,194+24.4% |
| Admin fee / account holder | $3,626 | $7,838-53.7% | $13,620-73.4% | $7,856-53.8% |