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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 | $118,393 | $105,210+12.5% | $159,487-25.8% | $85,851+37.9% |
| Participation rate | 69.4% | 75.8%-6.4pp | 82.8%-13.4pp | 69.3%+0.1pp |
| Annual return | 12.86% | 45.08%-32.2pp | 263.71%-250.8pp | 318.63%-305.8pp |
| Employer contribution / active EE | $4,631 | $3,319+39.5% | $4,831-4.2% | $2,565+80.5% |
| Participant deferral / active EE | $6,883 | $5,946+15.7% | $7,354-6.4% | $3,952+74.1% |
| Admin fee / account holder | $8,210 | $6,934+18.4% | $10,804-24.0% | $6,261+31.1% |