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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 | $117,179 | $58,099+101.7% | $76,872+52.4% | $75,173+55.9% |
| Participation rate | 60.5% | 63.9%-3.4pp | 69.6%-9.1pp | 67.2%-6.7pp |
| Annual return | 40.36% | 26.71%+13.6pp | 37.90%+2.5pp | 160.72%-120.4pp |
| Employer contribution / active EE | $0 | $1,996-100.0% | $2,533-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,373 | $2,999+12.5% | $3,832-12.0% | $4,126-18.2% |
| Admin fee / account holder | $4,997 | $4,778+4.6% | $5,476-8.8% | $5,651-11.6% |