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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 | $116,171 | $101,752+14.2% | $164,928-29.6% | $80,911+43.6% |
| Participation rate | 65.3% | 71.8%-6.5pp | 78.6%-13.3pp | 67.6%-2.3pp |
| Annual return | 12.50% | 16.73%-4.2pp | 70.08%-57.6pp | 35.63%-23.1pp |
| Employer contribution / active EE | $4,679 | $2,953+58.4% | $4,343+7.7% | $2,756+69.8% |
| Participant deferral / active EE | $7,608 | $4,477+69.9% | $6,034+26.1% | $4,297+77.0% |
| Admin fee / account holder | $197,547 | $8,218+2303.9% | $12,684+1457.4% | $6,935+2748.7% |