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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 | $125,643 | $86,288+45.6% | $111,306+12.9% | $85,851+46.4% |
| Participation rate | 48.9% | 73.3%-24.5pp | 77.3%-28.5pp | 69.3%-20.5pp |
| Annual return | 11.04% | 19.99%-8.9pp | 54.67%-43.6pp | 318.63%-307.6pp |
| Employer contribution / active EE | $738 | $2,044-63.9% | $2,732-73.0% | $2,565-71.2% |
| Participant deferral / active EE | $2,502 | $3,641-31.3% | $4,488-44.3% | $3,952-36.7% |
| Admin fee / account holder | $17,511 | $8,189+113.8% | $7,966+119.8% | $6,261+179.7% |