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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 | $140,945 | $115,814+21.7% | $101,275+39.2% | $158,982-11.3% |
| Participation rate | 55.6% | 79.4%-23.8pp | 75.8%-20.3pp | 82.0%-26.4pp |
| Annual return | 8.55% | 56.16%-47.6pp | 46.48%-37.9pp | 302.99%-294.4pp |
| Employer contribution / active EE | $1,788 | $4,176-57.2% | $3,660-51.2% | $4,763-62.5% |
| Participant deferral / active EE | $3,174 | $4,958-36.0% | $4,371-27.4% | $5,983-46.9% |
| Admin fee / account holder | $1,575 | $7,249-78.3% | $5,948-73.5% | $11,252-86.0% |