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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 | $149,242 | $83,485+78.8% | $125,195+19.2% | $72,976+104.5% |
| Participation rate | 64.7% | 73.3%-8.6pp | 79.8%-15.1pp | 69.5%-4.8pp |
| Annual return | 24.90% | 25.77%-0.9pp | 43.79%-18.9pp | 81.02%-56.1pp |
| Employer contribution / active EE | $5,074 | $2,346+116.3% | $3,866+31.2% | $2,440+107.9% |
| Participant deferral / active EE | $5,420 | $3,586+51.1% | $4,937+9.8% | $3,608+50.2% |
| Admin fee / account holder | $2,105 | $5,518-61.9% | $9,704-78.3% | $5,124-58.9% |