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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 | $159,708 | $80,763+97.7% | $102,412+55.9% | $74,459+114.5% |
| Participation rate | 29.9% | 65.7%-35.8pp | 74.5%-44.6pp | 67.2%-37.4pp |
| Annual return | 15.02% | 27.57%-12.5pp | 24.94%-9.9pp | 1369.70%-1354.7pp |
| Employer contribution / active EE | $2,087 | $3,160-33.9% | $3,870-46.1% | $2,626-20.5% |
| Participant deferral / active EE | $4,806 | $3,862+24.5% | $5,060-5.0% | $4,350+10.5% |
| Admin fee / account holder | $2,287 | $2,371-3.6% | $8,388-72.7% | $1,945+17.6% |