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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 | $146,124 | $105,200+38.9% | $159,474-8.4% | $85,847+70.2% |
| Participation rate | 65.7% | 75.8%-10.1pp | 82.8%-17.2pp | 69.3%-3.6pp |
| Annual return | 14.59% | 45.08%-30.5pp | 263.68%-249.1pp | 318.61%-304.0pp |
| Employer contribution / active EE | $2,642 | $3,319-20.4% | $4,831-45.3% | $2,565+3.0% |
| Participant deferral / active EE | $6,001 | $5,946+0.9% | $7,353-18.4% | $3,952+51.8% |
| Admin fee / account holder | $8,533 | $6,934+23.1% | $10,802-21.0% | $6,261+36.3% |