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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 | $120,397 | $70,684+70.3% | $169,390-28.9% | $75,173+60.2% |
| Participation rate | 55.0% | 64.8%-9.8pp | 77.2%-22.2pp | 67.2%-12.2pp |
| Annual return | 14.53% | 36.38%-21.8pp | 406.07%-391.5pp | 160.72%-146.2pp |
| Employer contribution / active EE | $1,804 | $2,211-18.4% | $4,013-55.0% | $2,671-32.5% |
| Participant deferral / active EE | $4,623 | $4,310+7.3% | $6,222-25.7% | $4,126+12.0% |
| Admin fee / account holder | $4,918 | $5,404-9.0% | $9,015-45.4% | $5,651-13.0% |