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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 | $92,642 | $80,781+14.7% | $102,437-9.6% | $74,478+24.4% |
| Participation rate | 55.2% | 65.7%-10.5pp | 74.5%-19.3pp | 67.2%-12.0pp |
| Annual return | 13.40% | 27.58%-14.2pp | 24.95%-11.6pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $2,416 | $3,160-23.5% | $3,871-37.6% | $2,626-8.0% |
| Participant deferral / active EE | $5,146 | $3,862+33.3% | $5,060+1.7% | $4,350+18.3% |
| Admin fee / account holder | $3,267 | $2,372+37.7% | $8,388-61.1% | $1,946+67.9% |