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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 | $108,761 | $89,370+21.7% | $141,197-23.0% | $72,976+49.0% |
| Participation rate | 56.5% | 75.1%-18.6pp | 82.5%-26.0pp | 69.5%-13.0pp |
| Annual return | 28.41% | 111.88%-83.5pp | 71.41%-43.0pp | 81.02%-52.6pp |
| Employer contribution / active EE | $2,027 | $3,115-34.9% | $4,736-57.2% | $2,440-16.9% |
| Participant deferral / active EE | $3,495 | $5,419-35.5% | $6,710-47.9% | $3,608-3.1% |
| Admin fee / account holder | $820 | $5,957-86.2% | $10,265-92.0% | $5,124-84.0% |