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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 | $139,364 | $55,902+149.3% | $76,030+83.3% | $80,959+72.1% |
| Participation rate | 51.3% | 62.1%-10.8pp | 69.1%-17.8pp | 67.7%-16.4pp |
| Annual return | 12.90% | 20.59%-7.7pp | 361.54%-348.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $2,232 | $1,867+19.6% | $2,688-17.0% | $2,757-19.1% |
| Participant deferral / active EE | $5,737 | $3,051+88.0% | $4,257+34.8% | $4,300+33.4% |
| Admin fee / account holder | $7,663 | $5,239+46.3% | $6,421+19.4% | $6,925+10.7% |