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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 | $145,376 | $98,760+47.2% | $149,715-2.9% | $79,858+82.0% |
| Participation rate | 65.1% | 75.8%-10.7pp | 82.5%-17.4pp | 69.6%-4.6pp |
| Annual return | 20.62% | 27.43%-6.8pp | 276.66%-256.0pp | 31.72%-11.1pp |
| Employer contribution / active EE | $3,283 | $3,217+2.1% | $4,645-29.3% | $2,471+32.9% |
| Participant deferral / active EE | $8,313 | $5,681+46.3% | $6,842+21.5% | $3,740+122.3% |
| Admin fee / account holder | $7,372 | $6,053+21.8% | $9,310-20.8% | $5,306+38.9% |