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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 | $123,077 | $83,337+47.7% | $67,834+81.4% | $273,972-55.1% |
| Participation rate | 33.3% | 76.4%-43.1pp | 68.8%-35.5pp | 83.0%-49.7pp |
| Annual return | 9.18% | 259.45%-250.3pp | 138.47%-129.3pp | 41.46%-32.3pp |
| Employer contribution / active EE | $1,911 | $3,287-41.9% | $2,403-20.5% | $4,869-60.7% |
| Participant deferral / active EE | $4,526 | $4,088+10.7% | $3,160+43.2% | $5,287-14.4% |
| Admin fee / account holder | $8,031 | $6,752+18.9% | $4,622+73.7% | $10,133-20.7% |