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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 | $87,297 | $80,983+7.8% | $96,544-9.6% | $75,177+16.1% |
| Participation rate | 56.4% | 71.8%-15.4pp | 76.0%-19.6pp | 67.2%-10.8pp |
| Annual return | 59.86% | 27.05%+32.8pp | 25.88%+34.0pp | 160.75%-100.9pp |
| Employer contribution / active EE | $2,349 | $2,282+2.9% | $2,966-20.8% | $2,671-12.1% |
| Participant deferral / active EE | $6,280 | $3,929+59.9% | $4,851+29.4% | $4,126+52.2% |
| Admin fee / account holder | $2,972 | $6,717-55.8% | $8,254-64.0% | $5,651-47.4% |