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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 | $121,048 | $105,200+15.1% | $159,474-24.1% | $85,847+41.0% |
| Participation rate | 48.0% | 75.8%-27.8pp | 82.8%-34.8pp | 69.3%-21.3pp |
| Annual return | 15.23% | 45.08%-29.8pp | 263.68%-248.4pp | 318.61%-303.4pp |
| Employer contribution / active EE | $2,780 | $3,319-16.2% | $4,831-42.4% | $2,565+8.4% |
| Participant deferral / active EE | $5,201 | $5,946-12.5% | $7,353-29.3% | $3,952+31.6% |
| Admin fee / account holder | $5,475 | $6,934-21.0% | $10,802-49.3% | $6,261-12.5% |