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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 | $148,926 | $108,825+36.8% | $156,181-4.6% | $82,448+80.6% |
| Participation rate | 62.1% | 72.4%-10.3pp | 78.8%-16.8pp | 68.1%-6.0pp |
| Annual return | 14.11% | 20.59%-6.5pp | 64.87%-50.8pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,721 | $2,870-40.0% | $4,294-59.9% | $2,551-32.5% |
| Participant deferral / active EE | $3,990 | $4,577-12.8% | $6,132-34.9% | $4,139-3.6% |
| Admin fee / account holder | $7,420 | $9,341-20.6% | $14,586-49.1% | $7,234+2.6% |