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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 | $71,168 | $29,736+139.3% | $56,033+27.0% | $80,935-12.1% |
| Participation rate | 21.2% | 41.7%-20.5pp | 52.5%-31.3pp | 67.7%-46.5pp |
| Annual return | 12.99% | 35.28%-22.3pp | 1711.38%-1698.4pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,368 | $671+103.7% | $1,041+31.4% | $2,757-50.4% |
| Participant deferral / active EE | $2,513 | $1,228+104.6% | $1,954+28.6% | $4,299-41.5% |
| Admin fee / account holder | $3,927 | $2,434+61.4% | $2,827+38.9% | $6,924-43.3% |