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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 | $111,201 | $76,407+45.5% | $150,298-26.0% | $82,448+34.9% |
| Participation rate | 63.8% | 66.4%-2.6pp | 77.8%-13.9pp | 68.1%-4.2pp |
| Annual return | 21.19% | 39.99%-18.8pp | 62.79%-41.6pp | 41.64%-20.4pp |
| Employer contribution / active EE | $1,800 | $2,614-31.1% | $4,154-56.7% | $2,551-29.4% |
| Participant deferral / active EE | $4,845 | $3,214+50.7% | $5,453-11.1% | $4,139+17.1% |
| Admin fee / account holder | $7,900 | $6,352+24.4% | $14,116-44.0% | $7,234+9.2% |