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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 | $98,473 | $89,370+10.2% | $141,197-30.3% | $72,976+34.9% |
| Participation rate | 59.1% | 75.1%-16.0pp | 82.5%-23.4pp | 69.5%-10.4pp |
| Annual return | 25.81% | 111.88%-86.1pp | 71.41%-45.6pp | 81.02%-55.2pp |
| Employer contribution / active EE | $2,235 | $3,115-28.2% | $4,736-52.8% | $2,440-8.4% |
| Participant deferral / active EE | $5,195 | $5,419-4.1% | $6,710-22.6% | $3,608+44.0% |
| Admin fee / account holder | $1,339 | $5,957-77.5% | $10,265-87.0% | $5,124-73.9% |