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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 | $111,854 | $98,776+13.2% | $149,745-25.3% | $79,856+40.1% |
| Participation rate | 66.2% | 75.8%-9.6pp | 82.5%-16.2pp | 69.6%-3.4pp |
| Annual return | 31.44% | 27.38%+4.1pp | 276.72%-245.3pp | 31.71%-0.3pp |
| Employer contribution / active EE | $2,513 | $3,217-21.9% | $4,646-45.9% | $2,471+1.7% |
| Participant deferral / active EE | $8,357 | $5,681+47.1% | $6,843+22.1% | $3,741+123.4% |
| Admin fee / account holder | $11,946 | $6,053+97.4% | $9,312+28.3% | $5,306+125.1% |