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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 | $145,724 | $58,311+149.9% | $81,882+78.0% | $80,959+80.0% |
| Participation rate | 47.8% | 63.5%-15.7pp | 72.4%-24.6pp | 67.7%-19.9pp |
| Annual return | 29.33% | 41.85%-12.5pp | 779.47%-750.1pp | 35.67%-6.3pp |
| Employer contribution / active EE | $420 | $2,347-82.1% | $2,916-85.6% | $2,757-84.8% |
| Participant deferral / active EE | $2,522 | $3,287-23.3% | $4,323-41.7% | $4,300-41.4% |
| Admin fee / account holder | $5,512 | $4,752+16.0% | $7,360-25.1% | $6,925-20.4% |