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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 | $117,412 | $65,367+79.6% | $92,915+26.4% | $72,976+60.9% |
| Participation rate | 55.7% | 68.3%-12.6pp | 76.0%-20.3pp | 69.5%-13.8pp |
| Annual return | 25.13% | 42.11%-17.0pp | 109.45%-84.3pp | 81.02%-55.9pp |
| Employer contribution / active EE | $1,299 | $2,594-49.9% | $3,653-64.5% | $2,440-46.8% |
| Participant deferral / active EE | $3,899 | $3,128+24.6% | $4,238-8.0% | $3,608+8.1% |
| Admin fee / account holder | $12,583 | $4,251+196.0% | $5,796+117.1% | $5,124+145.6% |