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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 | $133,121 | $76,407+74.2% | $150,298-11.4% | $82,448+61.5% |
| Participation rate | 50.9% | 66.4%-15.5pp | 77.8%-26.9pp | 68.1%-17.2pp |
| Annual return | 15.51% | 39.99%-24.5pp | 62.79%-47.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $6,916 | $2,614+164.6% | $4,154+66.5% | $2,551+171.1% |
| Participant deferral / active EE | $3,652 | $3,214+13.6% | $5,453-33.0% | $4,139-11.8% |
| Admin fee / account holder | $6,776 | $6,352+6.7% | $14,116-52.0% | $7,234-6.3% |