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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 | $111,108 | $93,598+18.7% | $135,974-18.3% | $75,173+47.8% |
| Participation rate | 49.4% | 75.2%-25.8pp | 81.9%-32.5pp | 67.2%-17.8pp |
| Annual return | 19.56% | 30.89%-11.3pp | 68.30%-48.7pp | 160.72%-141.2pp |
| Employer contribution / active EE | $1,685 | $3,538-52.4% | $4,859-65.3% | $2,671-36.9% |
| Participant deferral / active EE | $4,464 | $6,405-30.3% | $7,760-42.5% | $4,126+8.2% |
| Admin fee / account holder | $800 | $6,978-88.5% | $10,767-92.6% | $5,651-85.9% |