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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 | $118,659 | $80,992+46.5% | $96,534+22.9% | $75,173+57.8% |
| Participation rate | 50.0% | 71.8%-21.8pp | 76.0%-26.0pp | 67.2%-17.2pp |
| Annual return | 13.38% | 27.05%-13.7pp | 25.88%-12.5pp | 160.72%-147.3pp |
| Employer contribution / active EE | $1,319 | $2,283-42.2% | $2,965-55.5% | $2,671-50.6% |
| Participant deferral / active EE | $3,358 | $3,929-14.5% | $4,851-30.8% | $4,126-18.6% |
| Admin fee / account holder | $5,147 | $6,717-23.4% | $8,253-37.6% | $5,651-8.9% |