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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 | $137,443 | $65,364+110.3% | $92,909+47.9% | $72,975+88.3% |
| Participation rate | 57.7% | 68.3%-10.6pp | 76.0%-18.3pp | 69.5%-11.8pp |
| Annual return | 21.55% | 42.11%-20.6pp | 109.44%-87.9pp | 81.01%-59.5pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,545 | $3,128+77.3% | $4,238+30.8% | $3,608+53.7% |
| Admin fee / account holder | $6,388 | $4,251+50.3% | $5,795+10.2% | $5,124+24.7% |