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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 | $132,715 | $86,938+52.7% | $102,423+29.6% | $80,925+64.0% |
| Participation rate | 63.3% | 72.4%-9.1pp | 76.5%-13.2pp | 67.7%-4.4pp |
| Annual return | 10.50% | 18.89%-8.4pp | 29.42%-18.9pp | 35.65%-25.1pp |
| Employer contribution / active EE | $2,096 | $2,369-11.5% | $3,023-30.7% | $2,756-24.0% |
| Participant deferral / active EE | $6,277 | $4,120+52.3% | $5,054+24.2% | $4,299+46.0% |
| Admin fee / account holder | $29,943 | $8,053+271.9% | $9,455+216.7% | $6,940+331.5% |