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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 | $101,462 | $86,298+17.6% | $111,308-8.8% | $85,847+18.2% |
| Participation rate | 61.3% | 73.3%-12.0pp | 77.3%-16.0pp | 69.3%-8.0pp |
| Annual return | 15.80% | 19.99%-4.2pp | 54.67%-38.9pp | 318.61%-302.8pp |
| Employer contribution / active EE | $2,225 | $2,044+8.9% | $2,732-18.6% | $2,565-13.3% |
| Participant deferral / active EE | $3,738 | $3,641+2.7% | $4,487-16.7% | $3,952-5.4% |
| Admin fee / account holder | $9,108 | $8,189+11.2% | $7,965+14.3% | $6,261+45.5% |