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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 | $112,628 | $102,422+10.0% | $147,117-23.4% | $80,959+39.1% |
| Participation rate | 23.3% | 75.9%-52.6pp | 82.2%-58.9pp | 67.7%-44.4pp |
| Annual return | 17.36% | 135.16%-117.8pp | 420.54%-403.2pp | 35.67%-18.3pp |
| Employer contribution / active EE | $1,138 | $3,717-69.4% | $4,932-76.9% | $2,757-58.7% |
| Participant deferral / active EE | $3,062 | $6,652-54.0% | $8,065-62.0% | $4,300-28.8% |
| Admin fee / account holder | $2,538 | $7,953-68.1% | $12,993-80.5% | $6,925-63.4% |