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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 | $140,149 | $102,422+36.8% | $147,117-4.7% | $80,959+73.1% |
| Participation rate | 63.2% | 75.9%-12.6pp | 82.2%-18.9pp | 67.7%-4.4pp |
| Annual return | 14.13% | 135.16%-121.0pp | 420.54%-406.4pp | 35.67%-21.5pp |
| Employer contribution / active EE | $2,785 | $3,717-25.1% | $4,932-43.5% | $2,757+1.0% |
| Participant deferral / active EE | $6,100 | $6,652-8.3% | $8,065-24.4% | $4,300+41.9% |
| Admin fee / account holder | $7,052 | $7,953-11.3% | $12,993-45.7% | $6,925+1.8% |