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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 | $92,995 | $83,369+11.5% | $105,223-11.6% | $67,986+36.8% |
| Participation rate | 54.3% | 56.3%-2.0pp | 75.0%-20.8pp | 57.2%-2.9pp |
| Annual return | 18.22% | 24.64%-6.4pp | 180.65%-162.4pp | 31.67%-13.4pp |
| Employer contribution / active EE | $1,733 | $2,541-31.8% | $3,689-53.0% | $2,019-14.1% |
| Participant deferral / active EE | $4,230 | $3,295+28.4% | $5,072-16.6% | $3,358+26.0% |
| Admin fee / account holder | $8,356 | $4,073+105.2% | $8,859-5.7% | $3,203+160.9% |