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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 | $147,736 | $210,343-29.8% | $153,476-3.7% | $145,978+1.2% |
| Participation rate | 53.3% | 82.1%-28.8pp | 77.1%-23.8pp | 80.3%-27.0pp |
| Annual return | 20.30% | 13.38%+6.9pp | 15.66%+4.6pp | 550.52%-530.2pp |
| Employer contribution / active EE | $1,969 | $6,047-67.4% | $5,038-60.9% | $4,662-57.8% |
| Participant deferral / active EE | $3,703 | $7,977-53.6% | $6,759-45.2% | $6,690-44.6% |
| Admin fee / account holder | $4,571 | $19,424-76.5% | $12,729-64.1% | $13,400-65.9% |