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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 | $126,746 | $141,004-10.1% | $112,273+12.9% | $139,466-9.1% |
| Participation rate | 63.6% | 79.2%-15.6pp | 72.4%-8.8pp | 80.3%-16.7pp |
| Annual return | 11.28% | 32.75%-21.5pp | 30.23%-18.9pp | 373.66%-362.4pp |
| Employer contribution / active EE | $2,763 | $4,285-35.5% | $3,431-19.5% | $4,754-41.9% |
| Participant deferral / active EE | $7,308 | $5,878+24.3% | $4,800+52.3% | $6,712+8.9% |
| Admin fee / account holder | $57,852 | $9,959+480.9% | $7,752+646.3% | $11,409+407.1% |