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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 | $77,460+79.6% | $100,378+38.6% | $80,925+71.9% |
| Participation rate | 60.7% | 76.9%-16.3pp | 81.5%-20.9pp | 67.7%-7.0pp |
| Annual return | 15.45% | 37.24%-21.8pp | 49.41%-34.0pp | 35.65%-20.2pp |
| Employer contribution / active EE | $2,427 | $2,801-13.4% | $3,942-38.4% | $2,756-11.9% |
| Participant deferral / active EE | $4,250 | $6,818-37.7% | $8,087-47.4% | $4,299-1.1% |
| Admin fee / account holder | $19,855 | $5,887+237.3% | $7,899+151.4% | $6,940+186.1% |