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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 | $148,242 | $93,598+58.4% | $135,974+9.0% | $75,173+97.2% |
| Participation rate | 48.6% | 75.2%-26.6pp | 81.9%-33.3pp | 67.2%-18.6pp |
| Annual return | 20.94% | 30.89%-9.9pp | 68.30%-47.4pp | 160.72%-139.8pp |
| Employer contribution / active EE | $1,761 | $3,538-50.2% | $4,859-63.8% | $2,671-34.1% |
| Participant deferral / active EE | $7,130 | $6,405+11.3% | $7,760-8.1% | $4,126+72.8% |
| Admin fee / account holder | $19,785 | $6,978+183.5% | $10,767+83.8% | $5,651+250.1% |