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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 | $125,932 | $102,638+22.7% | $81,991+53.6% | $158,966-20.8% |
| Participation rate | 46.7% | 75.5%-28.9pp | 69.3%-22.6pp | 82.0%-35.3pp |
| Annual return | 15.04% | 61.05%-46.0pp | 41.31%-26.3pp | 302.95%-287.9pp |
| Employer contribution / active EE | $714 | $3,241-78.0% | $2,498-71.4% | $4,762-85.0% |
| Participant deferral / active EE | $3,039 | $4,649-34.6% | $3,722-18.4% | $5,983-49.2% |
| Admin fee / account holder | $1,404 | $8,237-83.0% | $5,665-75.2% | $11,250-87.5% |