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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 | $123,121 | $88,672+38.8% | $105,223+17.0% | $82,448+49.3% |
| Participation rate | 66.1% | 67.9%-1.8pp | 75.0%-8.9pp | 68.1%-1.9pp |
| Annual return | 15.16% | 30.86%-15.7pp | 180.65%-165.5pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,745 | $3,048-10.0% | $3,689-25.6% | $2,551+7.6% |
| Participant deferral / active EE | $5,196 | $4,036+28.7% | $5,072+2.4% | $4,139+25.5% |
| Admin fee / account holder | $2,196 | $7,146-69.3% | $8,859-75.2% | $7,234-69.6% |