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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 | $112,292 | $51,202+119.3% | $70,548+59.2% | $75,181+49.4% |
| Participation rate | 50.0% | 61.0%-11.0pp | 68.3%-18.3pp | 67.2%-17.2pp |
| Annual return | 14.80% | 30.05%-15.3pp | 32.78%-18.0pp | 160.69%-145.9pp |
| Employer contribution / active EE | $1,417 | $1,827-22.4% | $2,975-52.4% | $2,671-46.9% |
| Participant deferral / active EE | $4,183 | $2,850+46.8% | $4,567-8.4% | $4,126+1.4% |
| Admin fee / account holder | $570 | $4,094-86.1% | $6,424-91.1% | $5,650-89.9% |