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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 | $136,104 | $77,638+75.3% | $156,551-13.1% | $62,881+116.4% |
| Participation rate | 68.1% | 71.2%-3.1pp | 84.0%-15.9pp | 69.3%-1.2pp |
| Annual return | 5.99% | 50.33%-44.3pp | 32.23%-26.2pp | 20.14%-14.2pp |
| Employer contribution / active EE | $1,489 | $3,444-56.8% | $5,501-72.9% | $2,281-34.7% |
| Participant deferral / active EE | $4,691 | $3,046+54.0% | $4,871-3.7% | $3,203+46.5% |
| Admin fee / account holder | $7,721 | $5,561+38.8% | $13,028-40.7% | $4,296+79.7% |