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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 | $125,668 | $96,236+30.6% | $133,698-6.0% | $80,959+55.2% |
| Participation rate | 63.3% | 71.2%-7.9pp | 76.4%-13.2pp | 67.7%-4.4pp |
| Annual return | 12.74% | 28.74%-16.0pp | 580.90%-568.2pp | 35.67%-22.9pp |
| Employer contribution / active EE | $2,737 | $3,350-18.3% | $4,218-35.1% | $2,757-0.7% |
| Participant deferral / active EE | $6,099 | $5,709+6.8% | $7,016-13.1% | $4,300+41.8% |
| Admin fee / account holder | $23,058 | $8,250+179.5% | $6,703+244.0% | $6,925+233.0% |