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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 | $94,050 | $88,672+6.1% | $105,223-10.6% | $82,448+14.1% |
| Participation rate | 58.3% | 67.9%-9.6pp | 75.0%-16.7pp | 68.1%-9.7pp |
| Annual return | 13.78% | 30.86%-17.1pp | 180.65%-166.9pp | 41.64%-27.9pp |
| Employer contribution / active EE | $1,715 | $3,048-43.7% | $3,689-53.5% | $2,551-32.8% |
| Participant deferral / active EE | $3,199 | $4,036-20.7% | $5,072-36.9% | $4,139-22.7% |
| Admin fee / account holder | $11,690 | $7,146+63.6% | $8,859+32.0% | $7,234+61.6% |