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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 | $132,121 | $48,314+173.5% | $67,561+95.6% | $80,925+63.3% |
| Participation rate | 66.7% | 66.4%+0.3pp | 72.9%-6.2pp | 67.7%-1.0pp |
| Annual return | 17.84% | 18.28%-0.4pp | 3525.44%-3507.6pp | 35.65%-17.8pp |
| Employer contribution / active EE | $6,215 | $2,022+207.4% | $2,735+127.3% | $2,756+125.5% |
| Participant deferral / active EE | $11,683 | $2,927+299.2% | $4,003+191.9% | $4,299+171.8% |
| Admin fee / account holder | $3,298 | $3,690-10.6% | $4,006-17.7% | $6,940-52.5% |