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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 | $106,982 | $91,559+16.8% | $133,959-20.1% | $79,858+34.0% |
| Participation rate | 54.5% | 73.3%-18.8pp | 79.8%-25.3pp | 69.6%-15.1pp |
| Annual return | 120.50% | 61.85%+58.7pp | 45.09%+75.4pp | 31.72%+88.8pp |
| Employer contribution / active EE | $983 | $2,384-58.8% | $3,919-74.9% | $2,471-60.2% |
| Participant deferral / active EE | $2,201 | $3,734-41.1% | $5,047-56.4% | $3,740-41.2% |
| Admin fee / account holder | $7,148 | $6,321+13.1% | $8,928-19.9% | $5,306+34.7% |