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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 | $113,249 | $117,829-3.9% | $102,423+10.6% | $145,877-22.4% |
| Participation rate | 65.2% | 78.6%-13.4pp | 76.5%-11.3pp | 80.3%-15.1pp |
| Annual return | 9.15% | 31.83%-22.7pp | 29.42%-20.3pp | 551.28%-542.1pp |
| Employer contribution / active EE | $4,535 | $3,615+25.5% | $3,023+50.0% | $4,663-2.7% |
| Participant deferral / active EE | $5,435 | $5,732-5.2% | $5,054+7.5% | $6,691-18.8% |
| Admin fee / account holder | $28,495 | $13,335+113.7% | $9,455+201.4% | $13,402+112.6% |