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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 | $123,463 | $81,474+51.5% | $133,959-7.8% | $73,493+68.0% |
| Participation rate | 55.0% | 76.4%-21.4pp | 79.8%-24.8pp | 70.7%-15.7pp |
| Annual return | 12.10% | 19.40%-7.3pp | 45.09%-33.0pp | 28.51%-16.4pp |
| Employer contribution / active EE | $1,662 | $2,209-24.8% | $3,919-57.6% | $2,270-26.8% |
| Participant deferral / active EE | $3,636 | $3,786-4.0% | $5,047-28.0% | $3,740-2.8% |
| Admin fee / account holder | $12,111 | $713+1598.4% | $8,928+35.7% | $513+2260.5% |