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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 | $145,107 | $78,428+85.0% | $95,960+51.2% | $79,852+81.7% |
| Participation rate | 50.0% | 73.5%-23.5pp | 77.1%-27.1pp | 69.6%-19.6pp |
| Annual return | 28.20% | 19.37%+8.8pp | 91.63%-63.4pp | 31.72%-3.5pp |
| Employer contribution / active EE | $2,290 | $1,945+17.7% | $2,541-9.9% | $2,471-7.3% |
| Participant deferral / active EE | $3,633 | $3,440+5.6% | $4,167-12.8% | $3,740-2.9% |
| Admin fee / account holder | $10,496 | $5,622+86.7% | $6,797+54.4% | $5,306+97.8% |