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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 | $142,697 | $91,179+56.5% | $178,499-20.1% | $79,852+78.7% |
| Participation rate | 66.7% | 69.2%-2.5pp | 81.9%-15.3pp | 69.6%-3.0pp |
| Annual return | 19.51% | 24.19%-4.7pp | 151.10%-131.6pp | 31.72%-12.2pp |
| Employer contribution / active EE | $1,978 | $3,256-39.2% | $5,011-60.5% | $2,471-19.9% |
| Participant deferral / active EE | $4,243 | $3,236+31.1% | $5,202-18.4% | $3,740+13.4% |
| Admin fee / account holder | $3,941 | $6,749-41.6% | $13,986-71.8% | $5,306-25.7% |