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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 | $123,811 | $105,200+17.7% | $159,474-22.4% | $85,847+44.2% |
| Participation rate | 62.3% | 75.8%-13.5pp | 82.8%-20.6pp | 69.3%-7.1pp |
| Annual return | 15.53% | 45.08%-29.5pp | 263.68%-248.1pp | 318.61%-303.1pp |
| Employer contribution / active EE | $2,475 | $3,319-25.4% | $4,831-48.8% | $2,565-3.5% |
| Participant deferral / active EE | $5,864 | $5,946-1.4% | $7,353-20.3% | $3,952+48.4% |
| Admin fee / account holder | $4,967 | $6,934-28.4% | $10,802-54.0% | $6,261-20.7% |