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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 | $131,132 | $102,422+28.0% | $147,117-10.9% | $80,959+62.0% |
| Participation rate | 48.8% | 75.9%-27.0pp | 82.2%-33.3pp | 67.7%-18.8pp |
| Annual return | 17.27% | 135.16%-117.9pp | 420.54%-403.3pp | 35.67%-18.4pp |
| Employer contribution / active EE | $1,923 | $3,717-48.3% | $4,932-61.0% | $2,757-30.2% |
| Participant deferral / active EE | $6,249 | $6,652-6.1% | $8,065-22.5% | $4,300+45.3% |
| Admin fee / account holder | $6,581 | $7,953-17.3% | $12,993-49.3% | $6,925-5.0% |