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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 | $93,345+42.9% | $119,126+12.0% | $87,485+52.5% |
| Participation rate | 48.6% | 68.7%-20.1pp | 75.8%-27.1pp | 68.9%-20.3pp |
| Annual return | 16.56% | 19.08%-2.5pp | 282.11%-265.5pp | 26.06%-9.5pp |
| Employer contribution / active EE | $2,178 | $3,172-31.3% | $4,034-46.0% | $2,596-16.1% |
| Participant deferral / active EE | $4,820 | $4,099+17.6% | $5,318-9.4% | $4,274+12.8% |
| Admin fee / account holder | $6,295 | $8,039-21.7% | $10,693-41.1% | $7,775-19.0% |