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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 | $123,243 | $117,846+4.6% | $102,434+20.3% | $145,884-15.5% |
| Participation rate | 56.3% | 78.6%-22.4pp | 76.5%-20.3pp | 80.3%-24.1pp |
| Annual return | 9.84% | 31.90%-22.1pp | 29.46%-19.6pp | 551.85%-542.0pp |
| Employer contribution / active EE | $1,776 | $3,615-50.9% | $3,023-41.2% | $4,662-61.9% |
| Participant deferral / active EE | $8,739 | $5,733+52.4% | $5,055+72.9% | $6,690+30.6% |
| Admin fee / account holder | $25,369 | $13,356+89.9% | $9,462+168.1% | $13,392+89.4% |