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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 | $106,749+17.5% | $145,433-13.7% | $82,448+52.1% |
| Participation rate | 69.2% | 75.6%-6.4pp | 82.1%-12.9pp | 68.1%+1.2pp |
| Annual return | 19.48% | 27.59%-8.1pp | 66.58%-47.1pp | 41.64%-22.2pp |
| Employer contribution / active EE | $2,067 | $3,444-40.0% | $4,554-54.6% | $2,551-19.0% |
| Participant deferral / active EE | $5,711 | $6,519-12.4% | $7,897-27.7% | $4,139+38.0% |
| Admin fee / account holder | $1,134 | $8,390-86.5% | $13,129-91.4% | $7,234-84.3% |