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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 | $108,231 | $93,589+15.6% | $135,942-20.4% | $75,181+44.0% |
| Participation rate | 51.5% | 75.2%-23.7pp | 81.9%-30.4pp | 67.2%-15.7pp |
| Annual return | 25.90% | 30.90%-5.0pp | 68.28%-42.4pp | 160.69%-134.8pp |
| Employer contribution / active EE | $1,273 | $3,537-64.0% | $4,858-73.8% | $2,671-52.3% |
| Participant deferral / active EE | $5,417 | $6,405-15.4% | $7,759-30.2% | $4,126+31.3% |
| Admin fee / account holder | $13,673 | $6,977+96.0% | $10,764+27.0% | $5,650+142.0% |