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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 | $141,733 | $71,197+99.1% | $93,669+51.3% | $80,925+75.1% |
| Participation rate | 63.4% | 60.4%+3.0pp | 68.7%-5.3pp | 67.7%-4.2pp |
| Annual return | 12.56% | 11.27%+1.3pp | 133.59%-121.0pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,068 | $1,565-31.7% | $2,424-55.9% | $2,756-61.2% |
| Participant deferral / active EE | $4,634 | $4,036+14.8% | $4,416+5.0% | $4,299+7.8% |
| Admin fee / account holder | $1,202 | $6,959-82.7% | $8,291-85.5% | $6,940-82.7% |