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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 | $124,234 | $78,682+57.9% | $109,188+13.8% | $85,851+44.7% |
| Participation rate | 20.5% | 68.3%-47.8pp | 75.9%-55.4pp | 69.3%-48.8pp |
| Annual return | 12.57% | 25.09%-12.5pp | 25.76%-13.2pp | 318.63%-306.1pp |
| Employer contribution / active EE | $968 | $2,734-64.6% | $3,723-74.0% | $2,565-62.3% |
| Participant deferral / active EE | $3,073 | $3,468-11.4% | $4,654-34.0% | $3,952-22.3% |
| Admin fee / account holder | $795 | $5,470-85.5% | $6,755-88.2% | $6,261-87.3% |