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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 | $95,145 | $60,442+57.4% | $96,754-1.7% | $87,485+8.8% |
| Participation rate | 44.4% | 58.7%-14.3pp | 70.3%-25.8pp | 68.9%-24.5pp |
| Annual return | 15.37% | 21.97%-6.6pp | 82.04%-66.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $1,794 | $1,691+6.1% | $2,679-33.0% | $2,596-30.9% |
| Participant deferral / active EE | $4,525 | $3,280+38.0% | $4,758-4.9% | $4,274+5.9% |
| Admin fee / account holder | $17,765 | $5,069+250.5% | $8,905+99.5% | $7,775+128.5% |