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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 | $123,494 | $112,729+9.5% | $98,716+25.1% | $137,256-10.0% |
| Participation rate | 53.8% | 74.2%-20.4pp | 69.3%-15.4pp | 80.0%-26.1pp |
| Annual return | 11.87% | 38.48%-26.6pp | 31.81%-19.9pp | 220.34%-208.5pp |
| Employer contribution / active EE | $1,799 | $2,725-34.0% | $2,279-21.0% | $4,156-56.7% |
| Participant deferral / active EE | $5,027 | $4,640+8.3% | $4,048+24.2% | $6,407-21.5% |
| Admin fee / account holder | $28,383 | $10,129+180.2% | $8,703+226.1% | $12,270+131.3% |