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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 | $140,115 | $94,031+49.0% | $115,768+21.0% | $82,448+69.9% |
| Participation rate | 44.9% | 70.4%-25.5pp | 74.4%-29.5pp | 68.1%-23.2pp |
| Annual return | 14.30% | 20.61%-6.3pp | 100.46%-86.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $675 | $2,323-70.9% | $2,940-77.0% | $2,551-73.5% |
| Participant deferral / active EE | $4,781 | $3,972+20.4% | $4,917-2.8% | $4,139+15.5% |
| Admin fee / account holder | $55,607 | $10,249+442.5% | $12,439+347.0% | $7,234+668.7% |