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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 | $105,613 | $82,133+28.6% | $147,318-28.3% | $64,097+64.8% |
| Participation rate | 38.3% | 62.3%-24.0pp | 82.1%-43.7pp | 55.2%-16.9pp |
| Annual return | 26.56% | 78.78%-52.2pp | 70.43%-43.9pp | 34.64%-8.1pp |
| Employer contribution / active EE | $2,847 | $2,872-0.9% | $4,593-38.0% | $1,891+50.5% |
| Participant deferral / active EE | $6,751 | $5,407+24.9% | $7,906-14.6% | $3,080+119.2% |
| Admin fee / account holder | $2,710 | $3,730-27.4% | $13,708-80.2% | $3,454-21.6% |