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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 | $129,017 | $81,331+58.6% | $155,534-17.0% | $80,935+59.4% |
| Participation rate | 60.0% | 66.3%-6.3pp | 78.2%-18.2pp | 67.7%-7.7pp |
| Annual return | 13.84% | 33.37%-19.5pp | 64.92%-51.1pp | 35.66%-21.8pp |
| Employer contribution / active EE | $1,922 | $3,105-38.1% | $4,675-58.9% | $2,757-30.3% |
| Participant deferral / active EE | $3,696 | $3,454+7.0% | $5,630-34.4% | $4,299-14.0% |
| Admin fee / account holder | $7,076 | $7,999-11.5% | $15,900-55.5% | $6,924+2.2% |