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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 | $155,828 | $96,236+61.9% | $136,072+14.5% | $80,935+92.5% |
| Participation rate | 68.5% | 71.2%-2.7pp | 76.4%-8.0pp | 67.7%+0.8pp |
| Annual return | 15.36% | 28.74%-13.4pp | 580.46%-565.1pp | 35.66%-20.3pp |
| Employer contribution / active EE | $2,887 | $3,350-13.8% | $4,216-31.5% | $2,757+4.7% |
| Participant deferral / active EE | $8,175 | $5,709+43.2% | $7,028+16.3% | $4,299+90.1% |
| Admin fee / account holder | $3,504 | $8,250-57.5% | $6,718-47.8% | $6,924-49.4% |