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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 | $134,803 | $102,385+31.7% | $147,080-8.3% | $80,935+66.6% |
| Participation rate | 34.7% | 75.9%-41.2pp | 82.2%-47.5pp | 67.7%-33.0pp |
| Annual return | 19.73% | 135.09%-115.4pp | 420.17%-400.4pp | 35.66%-15.9pp |
| Employer contribution / active EE | $1,613 | $3,717-56.6% | $4,933-67.3% | $2,757-41.5% |
| Participant deferral / active EE | $3,789 | $6,651-43.0% | $8,066-53.0% | $4,299-11.9% |
| Admin fee / account holder | $1,524 | $7,951-80.8% | $12,989-88.3% | $6,924-78.0% |