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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 | $111,403 | $104,251+6.9% | $91,004+22.4% | $147,586-24.5% |
| Participation rate | 66.7% | 78.2%-11.6pp | 75.6%-8.9pp | 82.8%-16.2pp |
| Annual return | 16.22% | 27.06%-10.8pp | 4.60%+11.6pp | 578.59%-562.4pp |
| Employer contribution / active EE | $1,851 | $3,116-40.6% | $2,456-24.6% | $4,876-62.0% |
| Participant deferral / active EE | $2,736 | $4,195-34.8% | $3,548-22.9% | $5,439-49.7% |
| Admin fee / account holder | $2,825 | $8,948-68.4% | $5,417-47.9% | $10,886-74.1% |