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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 | $91,771 | $49,976+83.6% | $66,674+37.6% | $82,637+11.1% |
| Participation rate | 65.5% | 63.1%+2.4pp | 73.7%-8.2pp | 68.1%-2.5pp |
| Annual return | 19.06% | 39.09%-20.0pp | 321.24%-302.2pp | 53.51%-34.4pp |
| Employer contribution / active EE | $2,163 | $1,988+8.8% | $2,620-17.5% | $2,552-15.3% |
| Participant deferral / active EE | $3,406 | $2,847+19.7% | $4,084-16.6% | $4,126-17.4% |
| Admin fee / account holder | $8,168 | $4,594+77.8% | $5,098+60.2% | $7,339+11.3% |