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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 | $129,175 | $90,107+43.4% | $182,262-29.1% | $69,733+85.2% |
| Participation rate | 47.6% | 64.8%-17.2pp | 84.2%-36.6pp | 62.5%-14.8pp |
| Annual return | 14.29% | 95.58%-81.3pp | 140.60%-126.3pp | 15.22%-0.9pp |
| Employer contribution / active EE | $1,702 | $3,043-44.1% | $5,046-66.3% | $2,250-24.4% |
| Participant deferral / active EE | $4,448 | $5,135-13.4% | $8,276-46.3% | $3,054+45.6% |
| Admin fee / account holder | $8,699 | $3,377+157.6% | $16,712-47.9% | $3,102+180.4% |