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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 | $123,303 | $83,369+47.9% | $105,223+17.2% | $67,986+81.4% |
| Participation rate | 53.5% | 56.3%-2.7pp | 75.0%-21.5pp | 57.2%-3.7pp |
| Annual return | 22.50% | 24.64%-2.1pp | 180.65%-158.2pp | 31.67%-9.2pp |
| Employer contribution / active EE | $1,756 | $2,541-30.9% | $3,689-52.4% | $2,019-13.0% |
| Participant deferral / active EE | $3,370 | $3,295+2.3% | $5,072-33.6% | $3,358+0.3% |
| Admin fee / account holder | $9,965 | $4,073+144.7% | $8,859+12.5% | $3,203+211.1% |