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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 | $169,998 | $89,259+90.5% | $107,187+58.6% | $82,637+105.7% |
| Participation rate | 48.0% | 67.9%-19.9pp | 75.0%-27.0pp | 68.1%-20.1pp |
| Annual return | 13.73% | 21.02%-7.3pp | 204.55%-190.8pp | 53.51%-39.8pp |
| Employer contribution / active EE | $2,224 | $3,080-27.8% | $3,782-41.2% | $2,552-12.9% |
| Participant deferral / active EE | $5,552 | $4,037+37.5% | $5,096+9.0% | $4,126+34.6% |
| Admin fee / account holder | $1,635 | $7,381-77.8% | $9,162-82.1% | $7,339-77.7% |