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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 | $140,261 | $77,638+80.7% | $156,551-10.4% | $62,881+123.1% |
| Participation rate | 57.4% | 71.2%-13.8pp | 84.0%-26.6pp | 69.3%-11.9pp |
| Annual return | 8.92% | 50.33%-41.4pp | 32.23%-23.3pp | 20.14%-11.2pp |
| Employer contribution / active EE | $1,728 | $3,444-49.8% | $5,501-68.6% | $2,281-24.2% |
| Participant deferral / active EE | $3,847 | $3,046+26.3% | $4,871-21.0% | $3,203+20.1% |
| Admin fee / account holder | $9,400 | $5,561+69.0% | $13,028-27.9% | $4,296+118.8% |