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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 | $129,080 | $54,763+135.7% | $90,324+42.9% | $72,976+76.9% |
| Participation rate | 40.0% | 65.2%-25.2pp | 73.3%-33.3pp | 69.5%-29.5pp |
| Annual return | 28.02% | 30.63%-2.6pp | 78.15%-50.1pp | 81.02%-53.0pp |
| Employer contribution / active EE | $2,575 | $2,093+23.0% | $2,856-9.8% | $2,440+5.5% |
| Participant deferral / active EE | $7,668 | $2,887+165.6% | $3,885+97.4% | $3,608+112.5% |
| Admin fee / account holder | $27,984 | $3,973+604.3% | $5,356+422.5% | $5,124+446.1% |