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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 | $143,961 | $124,425+15.7% | $112,040+28.5% | $137,256+4.9% |
| Participation rate | 66.7% | 79.3%-12.6pp | 76.5%-9.8pp | 80.0%-13.3pp |
| Annual return | 14.38% | 24.72%-10.3pp | 24.52%-10.1pp | 220.34%-206.0pp |
| Employer contribution / active EE | $5,968 | $3,411+74.9% | $2,954+102.0% | $4,156+43.6% |
| Participant deferral / active EE | $6,620 | $5,718+15.8% | $5,098+29.9% | $6,407+3.3% |
| Admin fee / account holder | $2,074 | $15,207-86.4% | $12,098-82.9% | $12,270-83.1% |