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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 | $149,752 | $76,551+95.6% | $123,894+20.9% | $62,881+138.2% |
| Participation rate | 60.0% | 73.0%-13.0pp | 81.4%-21.4pp | 69.3%-9.3pp |
| Annual return | 12.09% | 18.68%-6.6pp | 47.52%-35.4pp | 20.14%-8.1pp |
| Employer contribution / active EE | $3,063 | $2,882+6.3% | $4,617-33.7% | $2,281+34.3% |
| Participant deferral / active EE | $3,464 | $4,840-28.4% | $5,984-42.1% | $3,203+8.2% |
| Admin fee / account holder | $18,752 | $4,826+288.6% | $8,357+124.4% | $4,296+336.5% |