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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 | $99,650 | $93,617+6.4% | $135,982-26.7% | $75,177+32.6% |
| Participation rate | 69.6% | 75.2%-5.6pp | 81.9%-12.4pp | 67.2%+2.4pp |
| Annual return | 15.97% | 30.89%-14.9pp | 68.32%-52.4pp | 160.75%-144.8pp |
| Employer contribution / active EE | $4,482 | $3,538+26.7% | $4,859-7.8% | $2,671+67.8% |
| Participant deferral / active EE | $7,925 | $6,406+23.7% | $7,760+2.1% | $4,126+92.1% |
| Admin fee / account holder | $31,801 | $6,980+355.6% | $10,767+195.3% | $5,651+462.7% |