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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 | $122,822 | $108,911+12.8% | $100,392+22.3% | $145,884-15.8% |
| Participation rate | 66.7% | 83.0%-16.3pp | 81.5%-14.8pp | 80.3%-13.6pp |
| Annual return | 17.43% | 58.23%-40.8pp | 49.45%-32.0pp | 551.85%-534.4pp |
| Employer contribution / active EE | $1,397 | $4,420-68.4% | $3,941-64.6% | $4,662-70.0% |
| Participant deferral / active EE | $7,888 | $8,459-6.8% | $8,090-2.5% | $6,690+17.9% |
| Admin fee / account holder | $1,846 | $9,698-81.0% | $7,904-76.6% | $13,392-86.2% |