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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 | $119,694 | $101,950+17.4% | $125,529-4.6% | $86,983+37.6% |
| Participation rate | 54.0% | 70.2%-16.2pp | 74.7%-20.7pp | 69.5%-15.5pp |
| Annual return | 12.35% | 18.29%-5.9pp | 202.56%-190.2pp | 25.83%-13.5pp |
| Employer contribution / active EE | $1,831 | $2,358-22.4% | $3,058-40.1% | $2,584-29.2% |
| Participant deferral / active EE | $4,356 | $3,862+12.8% | $4,813-9.5% | $4,194+3.9% |
| Admin fee / account holder | $21,133 | $12,791+65.2% | $16,298+29.7% | $7,856+169.0% |