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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 | $134,380 | $58,311+130.5% | $81,882+64.1% | $80,959+66.0% |
| Participation rate | 42.9% | 63.5%-20.6pp | 72.4%-29.5pp | 67.7%-24.8pp |
| Annual return | 19.00% | 41.85%-22.8pp | 779.47%-760.5pp | 35.67%-16.7pp |
| Employer contribution / active EE | $2,349 | $2,347+0.1% | $2,916-19.5% | $2,757-14.8% |
| Participant deferral / active EE | $4,033 | $3,287+22.7% | $4,323-6.7% | $4,300-6.2% |
| Admin fee / account holder | $16,533 | $4,752+247.9% | $7,360+124.6% | $6,925+138.7% |