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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 | $121,530 | $65,034+86.9% | $90,970+33.6% | $79,856+52.2% |
| Participation rate | 60.0% | 61.6%-1.6pp | 69.0%-9.0pp | 69.6%-9.6pp |
| Annual return | 13.27% | 30.45%-17.2pp | 134.60%-121.3pp | 31.71%-18.4pp |
| Employer contribution / active EE | $1,771 | $1,247+42.0% | $2,122-16.5% | $2,471-28.3% |
| Participant deferral / active EE | $3,058 | $2,512+21.7% | $3,373-9.3% | $3,741-18.2% |
| Admin fee / account holder | $3,083 | $4,536-32.0% | $5,961-48.3% | $5,306-41.9% |