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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 | $123,245 | $60,442+103.9% | $96,754+27.4% | $87,485+40.9% |
| Participation rate | 10.0% | 58.7%-48.7pp | 70.3%-60.3pp | 68.9%-58.9pp |
| Annual return | 15.34% | 21.97%-6.6pp | 82.04%-66.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $286 | $1,691-83.1% | $2,679-89.3% | $2,596-89.0% |
| Participant deferral / active EE | $1,774 | $3,280-45.9% | $4,758-62.7% | $4,274-58.5% |
| Admin fee / account holder | $2,449 | $5,069-51.7% | $8,905-72.5% | $7,775-68.5% |