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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 | $117,859+6.3% | $102,438+22.3% | $145,959-14.2% |
| Participation rate | 69.6% | 78.6%-9.0pp | 76.5%-6.9pp | 80.3%-10.7pp |
| Annual return | 15.35% | 31.72%-16.4pp | 29.37%-14.0pp | 561.95%-546.6pp |
| Employer contribution / active EE | $1,929 | $3,615-46.7% | $3,024-36.2% | $4,661-58.6% |
| Participant deferral / active EE | $6,090 | $5,732+6.3% | $5,054+20.5% | $6,689-8.9% |
| Admin fee / account holder | $5,130 | $13,318-61.5% | $9,448-45.7% | $13,398-61.7% |