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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 | $125,217 | $78,672+59.2% | $109,163+14.7% | $85,856+45.8% |
| Participation rate | 34.2% | 68.3%-34.1pp | 75.9%-41.7pp | 69.3%-35.1pp |
| Annual return | 17.78% | 25.09%-7.3pp | 25.75%-8.0pp | 318.58%-300.8pp |
| Employer contribution / active EE | $831 | $2,734-69.6% | $3,723-77.7% | $2,565-67.6% |
| Participant deferral / active EE | $1,621 | $3,467-53.2% | $4,654-65.2% | $3,952-59.0% |
| Admin fee / account holder | $4,238 | $5,470-22.5% | $6,754-37.2% | $6,261-32.3% |