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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 | $135,322 | $102,385+32.2% | $147,080-8.0% | $80,935+67.2% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 13.49% | 135.09%-121.6pp | 420.17%-406.7pp | 35.66%-22.2pp |
| Employer contribution / active EE | $3,983 | $3,717+7.2% | $4,933-19.3% | $2,757+44.5% |
| Participant deferral / active EE | $8,381 | $6,651+26.0% | $8,066+3.9% | $4,299+94.9% |
| Admin fee / account holder | $29,676 | $7,951+273.2% | $12,989+128.5% | $6,924+328.6% |