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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 | $102,422+9.1% | $147,117-24.0% | $80,959+38.1% |
| Participation rate | 65.4% | 75.9%-10.5pp | 82.2%-16.8pp | 67.7%-2.3pp |
| Annual return | 14.39% | 135.16%-120.8pp | 420.54%-406.1pp | 35.67%-21.3pp |
| Employer contribution / active EE | $4,444 | $3,717+19.5% | $4,932-9.9% | $2,757+61.2% |
| Participant deferral / active EE | $7,665 | $6,652+15.2% | $8,065-5.0% | $4,300+78.2% |
| Admin fee / account holder | $8,812 | $7,953+10.8% | $12,993-32.2% | $6,925+27.2% |