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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 | $94,471 | $89,259+5.8% | $107,187-11.9% | $82,637+14.3% |
| Participation rate | 61.5% | 67.9%-6.4pp | 75.0%-13.5pp | 68.1%-6.5pp |
| Annual return | 30.20% | 21.02%+9.2pp | 204.55%-174.4pp | 53.51%-23.3pp |
| Employer contribution / active EE | $2,243 | $3,080-27.2% | $3,782-40.7% | $2,552-12.1% |
| Participant deferral / active EE | $3,812 | $4,037-5.6% | $5,096-25.2% | $4,126-7.6% |
| Admin fee / account holder | $3,505 | $7,381-52.5% | $9,162-61.7% | $7,339-52.2% |