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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 | $105,422 | $71,230+48.0% | $93,727+12.5% | $80,959+30.2% |
| Participation rate | 59.3% | 60.4%-1.1pp | 68.7%-9.5pp | 67.7%-8.4pp |
| Annual return | 14.83% | 11.26%+3.6pp | 133.83%-119.0pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,375 | $1,565-12.1% | $2,421-43.2% | $2,757-50.1% |
| Participant deferral / active EE | $3,994 | $4,037-1.1% | $4,417-9.6% | $4,300-7.1% |
| Admin fee / account holder | $15,721 | $6,961+125.8% | $8,292+89.6% | $6,925+127.0% |