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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 | $152,254 | $127,790+19.1% | $106,555+42.9% | $167,536-9.1% |
| Participation rate | 62.5% | 78.3%-15.8pp | 76.1%-13.6pp | 82.1%-19.6pp |
| Annual return | 16.19% | 33.88%-17.7pp | 26.80%-10.6pp | 478.82%-462.6pp |
| Employer contribution / active EE | $2,324 | $3,428-32.2% | $2,819-17.6% | $4,839-52.0% |
| Participant deferral / active EE | $5,780 | $5,088+13.6% | $4,399+31.4% | $6,342-8.9% |
| Admin fee / account holder | $6,625 | $11,229-41.0% | $7,408-10.6% | $12,315-46.2% |