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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 | $134,744 | $77,638+73.6% | $156,551-13.9% | $62,881+114.3% |
| Participation rate | 66.7% | 71.2%-4.5pp | 84.0%-17.3pp | 69.3%-2.6pp |
| Annual return | 8.75% | 50.33%-41.6pp | 32.23%-23.5pp | 20.14%-11.4pp |
| Employer contribution / active EE | $1,954 | $3,444-43.3% | $5,501-64.5% | $2,281-14.3% |
| Participant deferral / active EE | $3,940 | $3,046+29.4% | $4,871-19.1% | $3,203+23.0% |
| Admin fee / account holder | $740 | $5,561-86.7% | $13,028-94.3% | $4,296-82.8% |