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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 | $139,130 | $77,523+79.5% | $100,383+38.6% | $80,874+72.0% |
| Participation rate | 60.7% | 77.0%-16.3pp | 81.5%-20.8pp | 67.6%-7.0pp |
| Annual return | 15.45% | 37.21%-21.8pp | 49.26%-33.8pp | 35.62%-20.2pp |
| Employer contribution / active EE | $2,427 | $2,801-13.4% | $3,944-38.5% | $2,756-11.9% |
| Participant deferral / active EE | $4,250 | $6,822-37.7% | $8,086-47.4% | $4,297-1.1% |
| Admin fee / account holder | $19,855 | $5,899+236.6% | $7,900+151.3% | $6,935+186.3% |