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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 | $142,021 | $93,617+51.7% | $135,982+4.4% | $75,177+88.9% |
| Participation rate | 60.6% | 75.2%-14.6pp | 81.9%-21.3pp | 67.2%-6.6pp |
| Annual return | 20.10% | 30.89%-10.8pp | 68.32%-48.2pp | 160.75%-140.6pp |
| Employer contribution / active EE | $3,917 | $3,538+10.7% | $4,859-19.4% | $2,671+46.6% |
| Participant deferral / active EE | $7,924 | $6,406+23.7% | $7,760+2.1% | $4,126+92.0% |
| Admin fee / account holder | $2,359 | $6,980-66.2% | $10,767-78.1% | $5,651-58.3% |