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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 | $137,723 | $102,429+34.5% | $147,096-6.4% | $80,925+70.2% |
| Participation rate | 65.3% | 75.9%-10.6pp | 82.2%-16.9pp | 67.7%-2.4pp |
| Annual return | 12.20% | 135.02%-122.8pp | 419.75%-407.5pp | 35.65%-23.4pp |
| Employer contribution / active EE | $2,149 | $3,716-42.2% | $4,936-56.5% | $2,756-22.0% |
| Participant deferral / active EE | $8,357 | $6,649+25.7% | $8,071+3.5% | $4,299+94.4% |
| Admin fee / account holder | $4,390 | $7,957-44.8% | $13,005-66.2% | $6,940-36.8% |