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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 | $148,476 | $81,358+82.5% | $155,556-4.6% | $80,959+83.4% |
| Participation rate | 69.1% | 66.3%+2.8pp | 78.2%-9.1pp | 67.7%+1.4pp |
| Annual return | 15.12% | 33.39%-18.3pp | 64.84%-49.7pp | 35.67%-20.5pp |
| Employer contribution / active EE | $4,781 | $3,106+53.9% | $4,675+2.3% | $2,757+73.4% |
| Participant deferral / active EE | $10,579 | $3,455+206.2% | $5,631+87.9% | $4,300+146.0% |
| Admin fee / account holder | $82,938 | $7,994+937.6% | $15,885+422.1% | $6,925+1097.6% |