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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 | $153,173 | $104,251+46.9% | $91,004+68.3% | $147,586+3.8% |
| Participation rate | 66.7% | 78.2%-11.6pp | 75.6%-8.9pp | 82.8%-16.2pp |
| Annual return | 12.60% | 27.06%-14.5pp | 4.60%+8.0pp | 578.59%-566.0pp |
| Employer contribution / active EE | $1,993 | $3,116-36.0% | $2,456-18.9% | $4,876-59.1% |
| Participant deferral / active EE | $4,262 | $4,195+1.6% | $3,548+20.1% | $5,439-21.6% |
| Admin fee / account holder | $2,248 | $8,948-74.9% | $5,417-58.5% | $10,886-79.3% |