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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 | $146,327 | $108,825+34.5% | $156,181-6.3% | $82,448+77.5% |
| Participation rate | 58.3% | 72.4%-14.0pp | 78.8%-20.5pp | 68.1%-9.7pp |
| Annual return | 15.06% | 20.59%-5.5pp | 64.87%-49.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $3,654 | $2,870+27.3% | $4,294-14.9% | $2,551+43.3% |
| Participant deferral / active EE | $10,950 | $4,577+139.2% | $6,132+78.6% | $4,139+164.5% |
| Admin fee / account holder | $1,837 | $9,341-80.3% | $14,586-87.4% | $7,234-74.6% |