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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 | $130,255 | $88,996+46.4% | $78,004+67.0% | $138,895-6.2% |
| Participation rate | 54.5% | 74.4%-19.8pp | 69.4%-14.9pp | 79.9%-25.4pp |
| Annual return | 16.34% | 28.03%-11.7pp | 31.07%-14.7pp | 145.39%-129.1pp |
| Employer contribution / active EE | $2,608 | $2,917-10.6% | $2,469+5.6% | $4,194-37.8% |
| Participant deferral / active EE | $5,345 | $4,724+13.1% | $4,092+30.6% | $6,396-16.4% |
| Admin fee / account holder | $1,632 | $8,807-81.5% | $7,578-78.5% | $12,562-87.0% |