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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 | $131,379 | $51,638+154.4% | $68,368+92.2% | $82,448+59.3% |
| Participation rate | 27.6% | 63.6%-36.0pp | 73.8%-46.2pp | 68.1%-40.5pp |
| Annual return | 23.19% | 37.53%-14.3pp | 292.57%-269.4pp | 41.64%-18.4pp |
| Employer contribution / active EE | $689 | $2,047-66.3% | $2,649-74.0% | $2,551-73.0% |
| Participant deferral / active EE | $3,560 | $2,914+22.2% | $4,123-13.7% | $4,139-14.0% |
| Admin fee / account holder | $1,178 | $4,643-74.6% | $5,150-77.1% | $7,234-83.7% |