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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 | $210,510-29.8% | $153,500-3.8% | $145,877+1.3% |
| Participation rate | 53.3% | 82.1%-28.8pp | 77.1%-23.8pp | 80.3%-27.0pp |
| Annual return | 20.30% | 13.45%+6.8pp | 15.70%+4.6pp | 551.28%-531.0pp |
| Employer contribution / active EE | $1,969 | $6,052-67.5% | $5,039-60.9% | $4,663-57.8% |
| Participant deferral / active EE | $3,703 | $7,974-53.6% | $6,756-45.2% | $6,691-44.7% |
| Admin fee / account holder | $4,571 | $19,455-76.5% | $12,736-64.1% | $13,402-65.9% |