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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 | $124,206 | $89,364+39.0% | $141,177-12.0% | $72,983+70.2% |
| Participation rate | 45.5% | 75.1%-29.7pp | 82.5%-37.0pp | 69.5%-24.0pp |
| Annual return | 20.25% | 111.86%-91.6pp | 71.40%-51.1pp | 81.01%-60.8pp |
| Employer contribution / active EE | $1,672 | $3,115-46.3% | $4,736-64.7% | $2,440-31.5% |
| Participant deferral / active EE | $3,407 | $5,419-37.1% | $6,710-49.2% | $3,608-5.6% |
| Admin fee / account holder | $19,094 | $5,959+220.4% | $10,263+86.0% | $5,124+272.6% |