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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 | $123,347 | $51,207+140.9% | $70,565+74.8% | $75,177+64.1% |
| Participation rate | 48.6% | 61.0%-12.4pp | 68.4%-19.8pp | 67.2%-18.6pp |
| Annual return | 17.16% | 30.05%-12.9pp | 32.79%-15.6pp | 160.75%-143.6pp |
| Employer contribution / active EE | $1,263 | $1,826-30.9% | $2,976-57.6% | $2,671-52.7% |
| Participant deferral / active EE | $2,608 | $2,850-8.5% | $4,568-42.9% | $4,126-36.8% |
| Admin fee / account holder | $5,519 | $4,097+34.7% | $6,430-14.2% | $5,651-2.3% |