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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 | $135,111 | $105,200+28.4% | $159,474-15.3% | $85,847+57.4% |
| Participation rate | 58.3% | 75.8%-17.4pp | 82.8%-24.5pp | 69.3%-11.0pp |
| Annual return | 13.96% | 45.08%-31.1pp | 263.68%-249.7pp | 318.61%-304.6pp |
| Employer contribution / active EE | $4,191 | $3,319+26.3% | $4,831-13.2% | $2,565+63.4% |
| Participant deferral / active EE | $6,718 | $5,946+13.0% | $7,353-8.6% | $3,952+70.0% |
| Admin fee / account holder | $8,607 | $6,934+24.1% | $10,802-20.3% | $6,261+37.5% |