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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 | $137,973 | $73,988+86.5% | $96,538+42.9% | $75,177+83.5% |
| Participation rate | 48.1% | 66.4%-18.3pp | 74.3%-26.2pp | 67.2%-19.1pp |
| Annual return | 17.97% | 26.73%-8.8pp | 35.74%-17.8pp | 160.75%-142.8pp |
| Employer contribution / active EE | $1,221 | $2,930-58.3% | $3,740-67.4% | $2,671-54.3% |
| Participant deferral / active EE | $3,674 | $3,660+0.4% | $4,880-24.7% | $4,126-11.0% |
| Admin fee / account holder | $959 | $5,220-81.6% | $6,737-85.8% | $5,651-83.0% |