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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 | $109,314 | $90,486+20.8% | $78,676+38.9% | $273,972-60.1% |
| Participation rate | 66.7% | 76.5%-9.9pp | 73.6%-6.9pp | 83.0%-16.3pp |
| Annual return | 4.65% | 75.62%-71.0pp | 62.19%-57.5pp | 41.46%-36.8pp |
| Employer contribution / active EE | $2,771 | $3,175-12.7% | $2,850-2.8% | $4,869-43.1% |
| Participant deferral / active EE | $6,848 | $3,901+75.5% | $3,517+94.7% | $5,287+29.5% |
| Admin fee / account holder | $23,855 | $5,263+353.2% | $4,510+428.9% | $10,133+135.4% |