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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 | $125,351 | $81,276+54.2% | $155,574-19.4% | $80,925+54.9% |
| Participation rate | 61.5% | 66.2%-4.7pp | 78.2%-16.7pp | 67.7%-6.1pp |
| Annual return | 14.34% | 33.36%-19.0pp | 64.87%-50.5pp | 35.65%-21.3pp |
| Employer contribution / active EE | $4,432 | $3,103+42.8% | $4,676-5.2% | $2,756+60.8% |
| Participant deferral / active EE | $4,176 | $3,453+20.9% | $5,629-25.8% | $4,299-2.9% |
| Admin fee / account holder | $3,162 | $7,993-60.4% | $15,914-80.1% | $6,940-54.4% |