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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 | $45,312+210.4% | $86,233+63.1% | $67,986+106.9% |
| Participation rate | 30.6% | 42.4%-11.8pp | 69.0%-38.4pp | 57.2%-26.6pp |
| Annual return | 19.84% | 24.79%-5.0pp | 61.39%-41.5pp | 31.67%-11.8pp |
| Employer contribution / active EE | $1,582 | $1,160+36.4% | $2,504-36.8% | $2,019-21.6% |
| Participant deferral / active EE | $3,884 | $2,185+77.8% | $4,559-14.8% | $3,358+15.7% |
| Admin fee / account holder | $10,979 | $3,295+233.2% | $8,342+31.6% | $3,203+242.8% |