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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 | $138,565 | $98,766+40.3% | $149,730-7.5% | $79,852+73.5% |
| Participation rate | 26.4% | 75.8%-49.4pp | 82.5%-56.1pp | 69.6%-43.2pp |
| Annual return | 24.28% | 27.43%-3.1pp | 276.70%-252.4pp | 31.72%-7.4pp |
| Employer contribution / active EE | $1,527 | $3,217-52.5% | $4,645-67.1% | $2,471-38.2% |
| Participant deferral / active EE | $2,444 | $5,681-57.0% | $6,843-64.3% | $3,740-34.7% |
| Admin fee / account holder | $460 | $6,052-92.4% | $9,310-95.1% | $5,306-91.3% |