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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 | $118,860 | $76,407+55.6% | $150,298-20.9% | $82,448+44.2% |
| Participation rate | 48.1% | 66.4%-18.2pp | 77.8%-29.6pp | 68.1%-19.9pp |
| Annual return | 18.28% | 39.99%-21.7pp | 62.79%-44.5pp | 41.64%-23.4pp |
| Employer contribution / active EE | $4,323 | $2,614+65.4% | $4,154+4.1% | $2,551+69.5% |
| Participant deferral / active EE | $5,713 | $3,214+77.7% | $5,453+4.8% | $4,139+38.0% |
| Admin fee / account holder | $157,887 | $6,352+2385.6% | $14,116+1018.5% | $7,234+2082.5% |