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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 | $115,734 | $76,407+51.5% | $150,298-23.0% | $82,448+40.4% |
| Participation rate | 66.7% | 66.4%+0.3pp | 77.8%-11.1pp | 68.1%-1.4pp |
| Annual return | 18.22% | 39.99%-21.8pp | 62.79%-44.6pp | 41.64%-23.4pp |
| Employer contribution / active EE | $4,735 | $2,614+81.1% | $4,154+14.0% | $2,551+85.6% |
| Participant deferral / active EE | $3,102 | $3,214-3.5% | $5,453-43.1% | $4,139-25.1% |
| Admin fee / account holder | $1,800 | $6,352-71.7% | $14,116-87.3% | $7,234-75.1% |