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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 | $114,798 | $93,598+22.7% | $135,974-15.6% | $75,173+52.7% |
| Participation rate | 60.9% | 75.2%-14.3pp | 81.9%-21.0pp | 67.2%-6.3pp |
| Annual return | 16.23% | 30.89%-14.7pp | 68.30%-52.1pp | 160.72%-144.5pp |
| Employer contribution / active EE | $2,479 | $3,538-29.9% | $4,859-49.0% | $2,671-7.2% |
| Participant deferral / active EE | $6,089 | $6,405-4.9% | $7,760-21.5% | $4,126+47.6% |
| Admin fee / account holder | $22,067 | $6,978+216.3% | $10,767+105.0% | $5,651+290.5% |