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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 | $137,689 | $98,652+39.6% | $142,942-3.7% | $82,448+67.0% |
| Participation rate | 50.8% | 72.8%-22.0pp | 76.8%-26.0pp | 68.1%-17.3pp |
| Annual return | 16.66% | 22.65%-6.0pp | 113.70%-97.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,275 | $3,211-60.3% | $4,139-69.2% | $2,551-50.0% |
| Participant deferral / active EE | $1,944 | $5,580-65.2% | $7,128-72.7% | $4,139-53.0% |
| Admin fee / account holder | $1,185 | $8,078-85.3% | $12,475-90.5% | $7,234-83.6% |