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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 | $145,618 | $112,729+29.2% | $98,716+47.5% | $137,256+6.1% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 12.85% | 38.48%-25.6pp | 31.81%-19.0pp | 220.34%-207.5pp |
| Employer contribution / active EE | $2,367 | $2,725-13.1% | $2,279+3.9% | $4,156-43.0% |
| Participant deferral / active EE | $6,241 | $4,640+34.5% | $4,048+54.2% | $6,407-2.6% |
| Admin fee / account holder | $147,591 | $10,129+1357.2% | $8,703+1595.9% | $12,270+1102.8% |