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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 | $111,548 | $88,672+25.8% | $105,223+6.0% | $82,448+35.3% |
| Participation rate | 64.4% | 67.9%-3.5pp | 75.0%-10.6pp | 68.1%-3.7pp |
| Annual return | 19.95% | 30.86%-10.9pp | 180.65%-160.7pp | 41.64%-21.7pp |
| Employer contribution / active EE | $2,321 | $3,048-23.9% | $3,689-37.1% | $2,551-9.0% |
| Participant deferral / active EE | $4,854 | $4,036+20.3% | $5,072-4.3% | $4,139+17.3% |
| Admin fee / account holder | $3,092 | $7,146-56.7% | $8,859-65.1% | $7,234-57.3% |