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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 | $91,856 | $77,920+17.9% | $149,723-38.6% | $75,177+22.2% |
| Participation rate | 42.6% | 65.6%-23.0pp | 78.8%-36.2pp | 67.2%-24.6pp |
| Annual return | 24.38% | 31.72%-7.3pp | 134.50%-110.1pp | 160.75%-136.4pp |
| Employer contribution / active EE | $3,036 | $3,138-3.3% | $4,821-37.0% | $2,671+13.6% |
| Participant deferral / active EE | $5,346 | $3,411+56.7% | $5,682-5.9% | $4,126+29.5% |
| Admin fee / account holder | $7,250 | $5,951+21.8% | $13,215-45.1% | $5,651+28.3% |