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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 | $125,437 | $99,875+25.6% | $146,866-14.6% | $86,983+44.2% |
| Participation rate | 69.2% | 75.8%-6.6pp | 82.5%-13.3pp | 69.5%-0.3pp |
| Annual return | 19.48% | 28.10%-8.6pp | 102.85%-83.4pp | 25.83%-6.4pp |
| Employer contribution / active EE | $2,067 | $3,224-35.9% | $4,425-53.3% | $2,584-20.0% |
| Participant deferral / active EE | $5,711 | $6,322-9.7% | $7,759-26.4% | $4,194+36.2% |
| Admin fee / account holder | $1,134 | $7,838-85.5% | $13,620-91.7% | $7,856-85.6% |