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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 | $129,180 | $59,440+117.3% | $78,004+65.6% | $82,637+56.3% |
| Participation rate | 58.6% | 62.8%-4.2pp | 69.4%-10.8pp | 68.1%-9.4pp |
| Annual return | 14.33% | 40.24%-25.9pp | 31.07%-16.7pp | 53.51%-39.2pp |
| Employer contribution / active EE | $5,014 | $1,750+186.5% | $2,469+103.1% | $2,552+96.5% |
| Participant deferral / active EE | $1,529 | $3,138-51.3% | $4,092-62.6% | $4,126-62.9% |
| Admin fee / account holder | $587 | $5,504-89.3% | $7,578-92.3% | $7,339-92.0% |