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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 | $151,215 | $81,358+85.9% | $155,556-2.8% | $80,959+86.8% |
| Participation rate | 65.9% | 66.3%-0.4pp | 78.2%-12.4pp | 67.7%-1.8pp |
| Annual return | 10.91% | 33.39%-22.5pp | 64.84%-53.9pp | 35.67%-24.8pp |
| Employer contribution / active EE | $4,922 | $3,106+58.5% | $4,675+5.3% | $2,757+78.5% |
| Participant deferral / active EE | $6,639 | $3,455+92.1% | $5,631+17.9% | $4,300+54.4% |
| Admin fee / account holder | $17,735 | $7,994+121.9% | $15,885+11.6% | $6,925+156.1% |