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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 | $106,710 | $112,915-5.5% | $90,965+17.3% | $158,950-32.9% |
| Participation rate | 52.9% | 74.7%-21.8pp | 69.0%-16.1pp | 82.0%-29.0pp |
| Annual return | 12.72% | 215.75%-203.0pp | 134.57%-121.8pp | 302.91%-290.2pp |
| Employer contribution / active EE | $2,237 | $2,894-22.7% | $2,122+5.4% | $4,762-53.0% |
| Participant deferral / active EE | $3,490 | $4,128-15.5% | $3,373+3.5% | $5,983-41.7% |
| Admin fee / account holder | $4,486 | $8,044-44.2% | $5,960-24.7% | $11,248-60.1% |