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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 | $125,081 | $52,279+139.3% | $89,414+39.9% | $79,852+56.6% |
| Participation rate | 42.9% | 57.5%-14.7pp | 68.0%-25.1pp | 69.6%-26.8pp |
| Annual return | 21.26% | 22.16%-0.9pp | 245.50%-224.2pp | 31.72%-10.5pp |
| Employer contribution / active EE | $1,804 | $1,572+14.8% | $2,586-30.2% | $2,471-27.0% |
| Participant deferral / active EE | $4,222 | $2,740+54.1% | $3,890+8.5% | $3,740+12.9% |
| Admin fee / account holder | $407 | $3,356-87.9% | $4,883-91.7% | $5,306-92.3% |