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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 | $143,580 | $81,208+76.8% | $98,920+45.1% | $79,852+79.8% |
| Participation rate | 63.6% | 72.5%-8.9pp | 76.0%-12.4pp | 69.6%-6.0pp |
| Annual return | 20.01% | 60.99%-41.0pp | 196.47%-176.5pp | 31.72%-11.7pp |
| Employer contribution / active EE | $1,090 | $1,960-44.4% | $2,689-59.5% | $2,471-55.9% |
| Participant deferral / active EE | $6,497 | $3,265+99.0% | $4,245+53.0% | $3,740+73.7% |
| Admin fee / account holder | $5,110 | $6,013-15.0% | $6,643-23.1% | $5,306-3.7% |