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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 | $139,913 | $106,524+31.3% | $152,301-8.1% | $87,485+59.9% |
| Participation rate | 68.2% | 75.8%-7.6pp | 82.4%-14.3pp | 68.9%-0.7pp |
| Annual return | 14.70% | 26.89%-12.2pp | 80.50%-65.8pp | 26.06%-11.4pp |
| Employer contribution / active EE | $2,053 | $3,371-39.1% | $4,624-55.6% | $2,596-20.9% |
| Participant deferral / active EE | $7,147 | $6,525+9.5% | $8,004-10.7% | $4,274+67.2% |
| Admin fee / account holder | $3,819 | $8,287-53.9% | $14,398-73.5% | $7,775-50.9% |