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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 | $125,575 | $89,259+40.7% | $107,187+17.2% | $82,637+52.0% |
| Participation rate | 58.6% | 67.9%-9.4pp | 75.0%-16.4pp | 68.1%-9.5pp |
| Annual return | 16.08% | 21.02%-4.9pp | 204.55%-188.5pp | 53.51%-37.4pp |
| Employer contribution / active EE | $2,502 | $3,080-18.8% | $3,782-33.9% | $2,552-2.0% |
| Participant deferral / active EE | $6,011 | $4,037+48.9% | $5,096+18.0% | $4,126+45.7% |
| Admin fee / account holder | $21,767 | $7,381+194.9% | $9,162+137.6% | $7,339+196.6% |