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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 | $104,330 | $66,402+57.1% | $109,907-5.1% | $85,847+21.5% |
| Participation rate | 47.1% | 63.9%-16.8pp | 74.2%-27.2pp | 69.3%-22.3pp |
| Annual return | 13.30% | 19.59%-6.3pp | 29.46%-16.2pp | 318.61%-305.3pp |
| Employer contribution / active EE | $1,923 | $1,687+14.0% | $2,844-32.4% | $2,565-25.0% |
| Participant deferral / active EE | $4,482 | $2,842+57.7% | $4,047+10.8% | $3,952+13.4% |
| Admin fee / account holder | $2,370 | $4,557-48.0% | $6,069-60.9% | $6,261-62.1% |