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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 | $116,264 | $79,449+46.3% | $189,558-38.7% | $85,856+35.4% |
| Participation rate | 51.2% | 66.0%-14.8pp | 78.5%-27.2pp | 69.3%-18.1pp |
| Annual return | 13.49% | 18.45%-5.0pp | 64.19%-50.7pp | 318.58%-305.1pp |
| Employer contribution / active EE | $1,930 | $2,081-7.3% | $4,412-56.3% | $2,565-24.8% |
| Participant deferral / active EE | $4,971 | $4,051+22.7% | $6,174-19.5% | $3,952+25.8% |
| Admin fee / account holder | $9,174 | $5,377+70.6% | $9,809-6.5% | $6,261+46.5% |