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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 | $151,593 | $117,846+28.6% | $102,434+48.0% | $145,884+3.9% |
| Participation rate | 45.0% | 78.6%-33.6pp | 76.5%-31.5pp | 80.3%-35.3pp |
| Annual return | 14.33% | 31.90%-17.6pp | 29.46%-15.1pp | 551.85%-537.5pp |
| Employer contribution / active EE | $6,758 | $3,615+87.0% | $3,023+123.5% | $4,662+44.9% |
| Participant deferral / active EE | $3,218 | $5,733-43.9% | $5,055-36.3% | $6,690-51.9% |
| Admin fee / account holder | $2,833 | $13,356-78.8% | $9,462-70.1% | $13,392-78.8% |