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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 | $56,063+148.6% | $76,051+83.3% | $80,911+72.2% |
| Participation rate | 51.3% | 62.0%-10.8pp | 69.1%-17.8pp | 67.6%-16.4pp |
| Annual return | 12.90% | 20.54%-7.6pp | 360.42%-347.5pp | 35.63%-22.7pp |
| Employer contribution / active EE | $2,232 | $1,874+19.1% | $2,690-17.0% | $2,756-19.0% |
| Participant deferral / active EE | $5,737 | $3,052+87.9% | $4,257+34.8% | $4,297+33.5% |
| Admin fee / account holder | $7,663 | $5,240+46.2% | $6,416+19.4% | $6,935+10.5% |