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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 | $87,561 | $98,760-11.3% | $149,715-41.5% | $79,858+9.6% |
| Participation rate | 69.2% | 75.8%-6.5pp | 82.5%-13.2pp | 69.6%-0.4pp |
| Annual return | 16.58% | 27.43%-10.9pp | 276.66%-260.1pp | 31.72%-15.1pp |
| Employer contribution / active EE | $3,200 | $3,217-0.5% | $4,645-31.1% | $2,471+29.5% |
| Participant deferral / active EE | $11,131 | $5,681+95.9% | $6,842+62.7% | $3,740+197.6% |
| Admin fee / account holder | $13,891 | $6,053+129.5% | $9,310+49.2% | $5,306+161.8% |