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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 | $111,956 | $94,031+19.1% | $115,768-3.3% | $82,448+35.8% |
| Participation rate | 50.0% | 70.4%-20.4pp | 74.4%-24.4pp | 68.1%-18.1pp |
| Annual return | 15.20% | 20.61%-5.4pp | 100.46%-85.3pp | 41.64%-26.4pp |
| Employer contribution / active EE | $2,881 | $2,323+24.0% | $2,940-2.0% | $2,551+12.9% |
| Participant deferral / active EE | $6,302 | $3,972+58.7% | $4,917+28.2% | $4,139+52.3% |
| Admin fee / account holder | $56,761 | $10,249+453.8% | $12,439+356.3% | $7,234+684.6% |