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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 | $127,681 | $80,138+59.3% | $130,270-2.0% | $71,529+78.5% |
| Participation rate | 54.3% | 71.0%-16.7pp | 76.3%-22.0pp | 67.9%-13.7pp |
| Annual return | 19.88% | 16.81%+3.1pp | 38.89%-19.0pp | 28.97%-9.1pp |
| Employer contribution / active EE | $1,890 | $2,834-33.3% | $4,128-54.2% | $2,590-27.0% |
| Participant deferral / active EE | $5,386 | $4,641+16.1% | $6,797-20.8% | $4,291+25.5% |
| Admin fee / account holder | $6,057 | $1,035+485.3% | $6,022+0.6% | $1,588+281.3% |