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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 | $123,023 | $111,830+10.0% | $93,696+31.3% | $145,884-15.7% |
| Participation rate | 23.5% | 74.2%-50.7pp | 68.7%-45.2pp | 80.3%-56.8pp |
| Annual return | 14.95% | 204.08%-189.1pp | 133.74%-118.8pp | 551.85%-536.9pp |
| Employer contribution / active EE | $815 | $3,093-73.7% | $2,422-66.4% | $4,662-82.5% |
| Participant deferral / active EE | $1,946 | $4,920-60.5% | $4,417-55.9% | $6,690-70.9% |
| Admin fee / account holder | $1,780 | $10,249-82.6% | $8,287-78.5% | $13,392-86.7% |