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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 | $143,661 | $25,014+474.3% | $69,632+106.3% | $80,959+77.4% |
| Participation rate | 48.4% | 64.2%-15.8pp | 66.4%-18.0pp | 67.7%-19.3pp |
| Annual return | 63.94% | 19.08%+44.9pp | 101.32%-37.4pp | 35.67%+28.3pp |
| Employer contribution / active EE | $1,779 | $991+79.4% | $1,708+4.1% | $2,757-35.5% |
| Participant deferral / active EE | $2,933 | $1,840+59.5% | $2,889+1.5% | $4,300-31.8% |
| Admin fee / account holder | $1,898 | $2,491-23.8% | $4,695-59.6% | $6,925-72.6% |