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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 | $125,808 | $65,566+91.9% | $86,235+45.9% | $75,177+67.3% |
| Participation rate | 42.2% | 60.5%-18.3pp | 69.0%-26.7pp | 67.2%-25.0pp |
| Annual return | 13.50% | 46.07%-32.6pp | 1170.03%-1156.5pp | 160.75%-147.3pp |
| Employer contribution / active EE | $752 | $1,553-51.6% | $2,381-68.4% | $2,671-71.8% |
| Participant deferral / active EE | $2,208 | $3,023-27.0% | $3,987-44.6% | $4,126-46.5% |
| Admin fee / account holder | $4,028 | $5,470-26.4% | $6,856-41.2% | $5,651-28.7% |