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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% | $69,701+106.1% | $80,874+77.6% |
| Participation rate | 48.4% | 64.2%-15.9pp | 66.4%-18.1pp | 67.6%-19.3pp |
| Annual return | 63.94% | 19.07%+44.9pp | 100.32%-36.4pp | 35.62%+28.3pp |
| Employer contribution / active EE | $1,779 | $993+79.1% | $1,713+3.8% | $2,756-35.5% |
| Participant deferral / active EE | $2,933 | $1,839+59.5% | $2,887+1.6% | $4,297-31.7% |
| Admin fee / account holder | $1,898 | $2,488-23.7% | $4,717-59.8% | $6,935-72.6% |