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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 | $132,546 | $75,541+75.5% | $152,093-12.9% | $82,637+60.4% |
| Participation rate | 68.3% | 66.5%+1.8pp | 77.8%-9.5pp | 68.1%+0.2pp |
| Annual return | 13.93% | 32.56%-18.6pp | 66.36%-52.4pp | 53.51%-39.6pp |
| Employer contribution / active EE | $1,187 | $2,622-54.7% | $4,175-71.6% | $2,552-53.5% |
| Participant deferral / active EE | $4,324 | $3,206+34.9% | $5,451-20.7% | $4,126+4.8% |
| Admin fee / account holder | $25,038 | $6,405+290.9% | $14,497+72.7% | $7,339+241.2% |