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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 | $102,429+36.8% | $147,096-4.7% | $80,925+73.2% |
| Participation rate | 63.2% | 75.9%-12.6pp | 82.2%-18.9pp | 67.7%-4.4pp |
| Annual return | 14.13% | 135.02%-120.9pp | 419.75%-405.6pp | 35.65%-21.5pp |
| Employer contribution / active EE | $2,785 | $3,716-25.0% | $4,936-43.6% | $2,756+1.1% |
| Participant deferral / active EE | $6,100 | $6,649-8.2% | $8,071-24.4% | $4,299+41.9% |
| Admin fee / account holder | $7,052 | $7,957-11.4% | $13,005-45.8% | $6,940+1.6% |