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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 | $130,848 | $54,541+139.9% | $78,778+66.1% | $70,126+86.6% |
| Participation rate | 50.0% | 60.8%-10.8pp | 69.2%-19.2pp | 69.5%-19.5pp |
| Annual return | 18.92% | 21.07%-2.2pp | 35.62%-16.7pp | 73.15%-54.2pp |
| Employer contribution / active EE | $1,954 | $1,089+79.5% | $1,986-1.6% | $2,343-16.6% |
| Participant deferral / active EE | $4,096 | $2,210+85.3% | $2,958+38.4% | $3,332+22.9% |
| Admin fee / account holder | $1,131 | $3,709-69.5% | $5,134-78.0% | $4,645-75.7% |