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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 | $82,782 | $64,324+28.7% | $118,946-30.4% | $79,852+3.7% |
| Participation rate | 49.1% | 64.9%-15.8pp | 75.4%-26.3pp | 69.6%-20.6pp |
| Annual return | 14.18% | 86.45%-72.3pp | 35.89%-21.7pp | 31.72%-17.5pp |
| Employer contribution / active EE | $1,366 | $1,836-25.6% | $3,263-58.1% | $2,471-44.7% |
| Participant deferral / active EE | $3,243 | $2,824+14.8% | $4,266-24.0% | $3,740-13.3% |
| Admin fee / account holder | $2,910 | $4,040-28.0% | $6,581-55.8% | $5,306-45.2% |