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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 | $115,728 | $81,331+42.3% | $155,534-25.6% | $80,935+43.0% |
| Participation rate | 53.3% | 66.3%-12.9pp | 78.2%-24.9pp | 67.7%-14.3pp |
| Annual return | 21.55% | 33.37%-11.8pp | 64.92%-43.4pp | 35.66%-14.1pp |
| Employer contribution / active EE | $1,983 | $3,105-36.1% | $4,675-57.6% | $2,757-28.1% |
| Participant deferral / active EE | $4,760 | $3,454+37.8% | $5,630-15.5% | $4,299+10.7% |
| Admin fee / account holder | $419 | $7,999-94.8% | $15,900-97.4% | $6,924-93.9% |