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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 | $72,064 | $45,343+58.9% | $150,298-52.1% | $67,986+6.0% |
| Participation rate | 31.1% | 51.9%-20.8pp | 77.8%-46.7pp | 57.2%-26.1pp |
| Annual return | 15.97% | 33.28%-17.3pp | 62.79%-46.8pp | 31.67%-15.7pp |
| Employer contribution / active EE | $1,844 | $1,462+26.2% | $4,154-55.6% | $2,019-8.6% |
| Participant deferral / active EE | $3,919 | $2,055+90.7% | $5,453-28.1% | $3,358+16.7% |
| Admin fee / account holder | $7,211 | $2,250+220.5% | $14,116-48.9% | $3,203+125.1% |