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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 | $129,633 | $98,760+31.3% | $149,715-13.4% | $79,858+62.3% |
| Participation rate | 61.8% | 75.8%-14.0pp | 82.5%-20.7pp | 69.6%-7.9pp |
| Annual return | 13.71% | 27.43%-13.7pp | 276.66%-262.9pp | 31.72%-18.0pp |
| Employer contribution / active EE | $683 | $3,217-78.8% | $4,645-85.3% | $2,471-72.4% |
| Participant deferral / active EE | $6,892 | $5,681+21.3% | $6,842+0.7% | $3,740+84.3% |
| Admin fee / account holder | $1,997 | $6,053-67.0% | $9,310-78.5% | $5,306-62.4% |