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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 | $140,651 | $48,050+192.7% | $96,754+45.4% | $64,340+118.6% |
| Participation rate | 30.6% | 40.6%-9.9pp | 70.3%-39.6pp | 55.2%-24.6pp |
| Annual return | 19.84% | 23.41%-3.6pp | 82.04%-62.2pp | 24.14%-4.3pp |
| Employer contribution / active EE | $1,582 | $1,204+31.4% | $2,679-41.0% | $1,862-15.0% |
| Participant deferral / active EE | $3,884 | $2,191+77.2% | $4,758-18.4% | $2,980+30.3% |
| Admin fee / account holder | $10,979 | $3,741+193.4% | $8,905+23.3% | $3,703+196.5% |