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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 | $125,041 | $77,472+61.4% | $100,392+24.6% | $80,935+54.5% |
| Participation rate | 53.4% | 76.9%-23.5pp | 81.5%-28.1pp | 67.7%-14.2pp |
| Annual return | 17.62% | 37.26%-19.6pp | 49.45%-31.8pp | 35.66%-18.0pp |
| Employer contribution / active EE | $3,855 | $2,800+37.7% | $3,941-2.2% | $2,757+39.8% |
| Participant deferral / active EE | $8,065 | $6,818+18.3% | $8,090-0.3% | $4,299+87.6% |
| Admin fee / account holder | $20,661 | $5,885+251.1% | $7,904+161.4% | $6,924+198.4% |