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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 | $93,554 | $58,258+60.6% | $81,820+14.3% | $80,925+15.6% |
| Participation rate | 54.9% | 63.5%-8.6pp | 72.4%-17.5pp | 67.7%-12.8pp |
| Annual return | 15.79% | 41.76%-26.0pp | 777.93%-762.1pp | 35.65%-19.9pp |
| Employer contribution / active EE | $2,689 | $2,345+14.7% | $2,915-7.7% | $2,756-2.4% |
| Participant deferral / active EE | $4,225 | $3,284+28.7% | $4,323-2.2% | $4,299-1.7% |
| Admin fee / account holder | $6,845 | $4,976+37.6% | $7,391-7.4% | $6,940-1.4% |