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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 | $139,807 | $63,861+118.9% | $104,625+33.6% | $79,852+75.1% |
| Participation rate | 26.3% | 64.9%-38.6pp | 74.1%-47.8pp | 69.6%-43.3pp |
| Annual return | 17.14% | 21.30%-4.2pp | 340.60%-323.5pp | 31.72%-14.6pp |
| Employer contribution / active EE | $691 | $1,588-56.5% | $2,681-74.2% | $2,471-72.0% |
| Participant deferral / active EE | $2,025 | $2,693-24.8% | $3,738-45.8% | $3,740-45.9% |
| Admin fee / account holder | $7,980 | $4,185+90.7% | $6,465+23.4% | $5,306+50.4% |