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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 | $118,276 | $108,825+8.7% | $156,181-24.3% | $82,448+43.5% |
| Participation rate | 69.6% | 72.4%-2.7pp | 78.8%-9.2pp | 68.1%+1.6pp |
| Annual return | 15.86% | 20.59%-4.7pp | 64.87%-49.0pp | 41.64%-25.8pp |
| Employer contribution / active EE | $2,808 | $2,870-2.1% | $4,294-34.6% | $2,551+10.1% |
| Participant deferral / active EE | $5,277 | $4,577+15.3% | $6,132-13.9% | $4,139+27.5% |
| Admin fee / account holder | $92,059 | $9,341+885.6% | $14,586+531.1% | $7,234+1172.5% |