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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 | $119,255 | $70,666+68.8% | $169,369-29.6% | $75,173+58.6% |
| Participation rate | 51.6% | 64.8%-13.2pp | 77.2%-25.5pp | 67.2%-15.6pp |
| Annual return | 16.14% | 36.37%-20.2pp | 405.70%-389.6pp | 160.65%-144.5pp |
| Employer contribution / active EE | $1,696 | $2,210-23.3% | $4,011-57.7% | $2,670-36.5% |
| Participant deferral / active EE | $2,953 | $4,308-31.5% | $6,221-52.5% | $4,126-28.4% |
| Admin fee / account holder | $8,015 | $5,402+48.4% | $9,009-11.0% | $5,651+41.8% |