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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 | $117,478 | $77,908+50.8% | $149,696-21.5% | $75,173+56.3% |
| Participation rate | 64.8% | 65.6%-0.8pp | 78.8%-14.0pp | 67.2%-2.4pp |
| Annual return | 14.33% | 31.73%-17.4pp | 134.46%-120.1pp | 160.72%-146.4pp |
| Employer contribution / active EE | $1,937 | $3,138-38.3% | $4,821-59.8% | $2,671-27.5% |
| Participant deferral / active EE | $4,829 | $3,411+41.6% | $5,682-15.0% | $4,126+17.0% |
| Admin fee / account holder | $6,906 | $5,950+16.1% | $13,212-47.7% | $5,651+22.2% |