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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 | $126,845 | $70,666+79.5% | $169,385-25.1% | $75,181+68.7% |
| Participation rate | 60.5% | 64.8%-4.3pp | 77.2%-16.6pp | 67.2%-6.7pp |
| Annual return | 29.75% | 36.37%-6.6pp | 405.82%-376.1pp | 160.69%-130.9pp |
| Employer contribution / active EE | $2,175 | $2,210-1.6% | $4,012-45.8% | $2,671-18.6% |
| Participant deferral / active EE | $4,076 | $4,308-5.4% | $6,221-34.5% | $4,126-1.2% |
| Admin fee / account holder | $3,456 | $5,402-36.0% | $9,011-61.6% | $5,650-38.8% |