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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 | $140,258 | $51,638+171.6% | $68,368+105.2% | $82,448+70.1% |
| Participation rate | 46.3% | 63.6%-17.3pp | 73.8%-27.4pp | 68.1%-21.7pp |
| Annual return | 13.87% | 37.53%-23.7pp | 292.57%-278.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $452 | $2,047-77.9% | $2,649-82.9% | $2,551-82.3% |
| Participant deferral / active EE | $2,819 | $2,914-3.2% | $4,123-31.6% | $4,139-31.9% |
| Admin fee / account holder | $5,182 | $4,643+11.6% | $5,150+0.6% | $7,234-28.4% |