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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 | $142,147 | $105,200+35.1% | $159,474-10.9% | $85,847+65.6% |
| Participation rate | 61.5% | 75.8%-14.2pp | 82.8%-21.3pp | 69.3%-7.8pp |
| Annual return | 16.04% | 45.08%-29.0pp | 263.68%-247.6pp | 318.61%-302.6pp |
| Employer contribution / active EE | $2,188 | $3,319-34.1% | $4,831-54.7% | $2,565-14.7% |
| Participant deferral / active EE | $4,975 | $5,946-16.3% | $7,353-32.3% | $3,952+25.9% |
| Admin fee / account holder | $22,347 | $6,934+222.3% | $10,802+106.9% | $6,261+256.9% |