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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 | $166,366 | $83,369+99.6% | $105,223+58.1% | $67,986+144.7% |
| Participation rate | 48.7% | 56.3%-7.6pp | 75.0%-26.3pp | 57.2%-8.5pp |
| Annual return | 19.24% | 24.64%-5.4pp | 180.65%-161.4pp | 31.67%-12.4pp |
| Employer contribution / active EE | $3,214 | $2,541+26.5% | $3,689-12.9% | $2,019+59.2% |
| Participant deferral / active EE | $3,739 | $3,295+13.5% | $5,072-26.3% | $3,358+11.3% |
| Admin fee / account holder | $3,524 | $4,073-13.5% | $8,859-60.2% | $3,203+10.0% |