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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 | $108,728 | $68,852+57.9% | $120,524-9.8% | $80,925+34.4% |
| Participation rate | 48.4% | 61.6%-13.2pp | 71.9%-23.5pp | 67.7%-19.3pp |
| Annual return | 12.50% | 23.67%-11.2pp | 107.36%-94.9pp | 35.65%-23.2pp |
| Employer contribution / active EE | $2,318 | $2,063+12.4% | $3,469-33.2% | $2,756-15.9% |
| Participant deferral / active EE | $4,668 | $3,187+46.5% | $4,994-6.5% | $4,299+8.6% |
| Admin fee / account holder | $1,007 | $5,781-82.6% | $9,440-89.3% | $6,940-85.5% |