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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 | $133,403 | $88,672+50.4% | $105,223+26.8% | $82,448+61.8% |
| Participation rate | 48.6% | 67.9%-19.3pp | 75.0%-26.4pp | 68.1%-19.4pp |
| Annual return | 16.56% | 30.86%-14.3pp | 180.65%-164.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,178 | $3,048-28.6% | $3,689-41.0% | $2,551-14.6% |
| Participant deferral / active EE | $4,820 | $4,036+19.4% | $5,072-5.0% | $4,139+16.5% |
| Admin fee / account holder | $6,295 | $7,146-11.9% | $8,859-28.9% | $7,234-13.0% |