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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 | $125,302 | $117,895+6.3% | $102,460+22.3% | $145,897-14.1% |
| Participation rate | 69.6% | 78.6%-9.1pp | 76.5%-6.9pp | 80.3%-10.7pp |
| Annual return | 15.35% | 31.92%-16.6pp | 29.47%-14.1pp | 552.29%-536.9pp |
| Employer contribution / active EE | $1,929 | $3,619-46.7% | $3,025-36.2% | $4,663-58.6% |
| Participant deferral / active EE | $6,090 | $5,736+6.2% | $5,056+20.5% | $6,689-9.0% |
| Admin fee / account holder | $5,130 | $13,353-61.6% | $9,460-45.8% | $13,390-61.7% |