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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 | $110,874 | $88,672+25.0% | $105,223+5.4% | $82,448+34.5% |
| Participation rate | 55.1% | 67.9%-12.8pp | 75.0%-19.9pp | 68.1%-12.9pp |
| Annual return | 15.87% | 30.86%-15.0pp | 180.65%-164.8pp | 41.64%-25.8pp |
| Employer contribution / active EE | $3,738 | $3,048+22.6% | $3,689+1.3% | $2,551+46.5% |
| Participant deferral / active EE | $4,271 | $4,036+5.8% | $5,072-15.8% | $4,139+3.2% |
| Admin fee / account holder | $458 | $7,146-93.6% | $8,859-94.8% | $7,234-93.7% |