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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 | $111,766 | $102,429+9.1% | $147,096-24.0% | $80,925+38.1% |
| Participation rate | 65.4% | 75.9%-10.5pp | 82.2%-16.8pp | 67.7%-2.3pp |
| Annual return | 14.39% | 135.02%-120.6pp | 419.75%-405.4pp | 35.65%-21.3pp |
| Employer contribution / active EE | $4,444 | $3,716+19.6% | $4,936-10.0% | $2,756+61.2% |
| Participant deferral / active EE | $7,665 | $6,649+15.3% | $8,071-5.0% | $4,299+78.3% |
| Admin fee / account holder | $8,812 | $7,957+10.7% | $13,005-32.2% | $6,940+27.0% |