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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 | $144,937 | $60,349+140.2% | $74,184+95.4% | $62,881+130.5% |
| Participation rate | 66.2% | 72.7%-6.5pp | 76.6%-10.4pp | 69.3%-3.1pp |
| Annual return | 8.72% | 21.38%-12.7pp | 17.74%-9.0pp | 20.14%-11.4pp |
| Employer contribution / active EE | $3,281 | $1,680+95.3% | $2,370+38.4% | $2,281+43.9% |
| Participant deferral / active EE | $6,993 | $2,856+144.8% | $3,550+97.0% | $3,203+118.3% |
| Admin fee / account holder | $10,469 | $4,261+145.7% | $5,586+87.4% | $4,296+143.7% |