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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 | $125,679 | $65,364+92.3% | $92,909+35.3% | $72,975+72.2% |
| Participation rate | 39.7% | 68.3%-28.6pp | 76.0%-36.3pp | 69.5%-29.8pp |
| Annual return | 25.05% | 42.11%-17.1pp | 109.44%-84.4pp | 81.01%-56.0pp |
| Employer contribution / active EE | $1,502 | $2,594-42.1% | $3,653-58.9% | $2,440-38.4% |
| Participant deferral / active EE | $2,800 | $3,128-10.5% | $4,238-33.9% | $3,608-22.4% |
| Admin fee / account holder | $408 | $4,251-90.4% | $5,795-93.0% | $5,124-92.0% |