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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 | $135,179 | $63,342+113.4% | $92,236+46.6% | $70,131+92.8% |
| Participation rate | 54.4% | 68.7%-14.2pp | 76.5%-22.1pp | 69.5%-15.1pp |
| Annual return | 16.70% | 530.15%-513.5pp | 176.29%-159.6pp | 73.14%-56.4pp |
| Employer contribution / active EE | $1,167 | $2,471-52.8% | $3,679-68.3% | $2,342-50.2% |
| Participant deferral / active EE | $3,216 | $2,854+12.7% | $3,897-17.5% | $3,332-3.5% |
| Admin fee / account holder | $4,780 | $3,840+24.5% | $5,194-8.0% | $4,645+2.9% |