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 | $117,281 | $110,270+6.4% | $96,564+21.5% | $139,500-15.9% |
| Participation rate | 42.9% | 78.1%-35.3pp | 76.0%-33.1pp | 80.3%-37.5pp |
| Annual return | 19.42% | 26.43%-7.0pp | 25.89%-6.5pp | 373.99%-354.6pp |
| Employer contribution / active EE | $7,020 | $3,623+93.8% | $2,967+136.6% | $4,755+47.6% |
| Participant deferral / active EE | $4,463 | $5,550-19.6% | $4,852-8.0% | $6,713-33.5% |
| Admin fee / account holder | $5,718 | $11,606-50.7% | $8,256-30.7% | $11,410-49.9% |