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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 | $126,708 | $76,407+65.8% | $150,298-15.7% | $82,448+53.7% |
| Participation rate | 64.8% | 66.4%-1.6pp | 77.8%-12.9pp | 68.1%-3.3pp |
| Annual return | 16.12% | 39.99%-23.9pp | 62.79%-46.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $1,968 | $2,614-24.7% | $4,154-52.6% | $2,551-22.8% |
| Participant deferral / active EE | $4,965 | $3,214+54.4% | $5,453-9.0% | $4,139+19.9% |
| Admin fee / account holder | $1,522 | $6,352-76.0% | $14,116-89.2% | $7,234-79.0% |