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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 | $118,986 | $81,208+46.5% | $98,920+20.3% | $79,852+49.0% |
| Participation rate | 61.8% | 72.5%-10.7pp | 76.0%-14.2pp | 69.6%-7.8pp |
| Annual return | 20.70% | 60.99%-40.3pp | 196.47%-175.8pp | 31.72%-11.0pp |
| Employer contribution / active EE | $1,401 | $1,960-28.5% | $2,689-47.9% | $2,471-43.3% |
| Participant deferral / active EE | $3,053 | $3,265-6.5% | $4,245-28.1% | $3,740-18.4% |
| Admin fee / account holder | $5,795 | $6,013-3.6% | $6,643-12.8% | $5,306+9.2% |