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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 | $148,672 | $192,737-22.9% | $142,460+4.4% | $139,427+6.6% |
| Participation rate | 59.1% | 81.5%-22.4pp | 76.8%-17.7pp | 80.3%-21.2pp |
| Annual return | 39.29% | 17.99%+21.3pp | 19.99%+19.3pp | 373.27%-334.0pp |
| Employer contribution / active EE | $1,606 | $5,806-72.3% | $4,847-66.9% | $4,752-66.2% |
| Participant deferral / active EE | $5,718 | $7,208-20.7% | $6,283-9.0% | $6,711-14.8% |
| Admin fee / account holder | $18,843 | $15,125+24.6% | $10,011+88.2% | $11,404+65.2% |