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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 | $158,756 | $95,664+66.0% | $76,902+106.4% | $139,487+13.8% |
| Participation rate | 54.2% | 74.0%-19.8pp | 69.6%-15.4pp | 80.3%-26.2pp |
| Annual return | 22.85% | 55.03%-32.2pp | 37.91%-15.1pp | 373.84%-351.0pp |
| Employer contribution / active EE | $1,399 | $3,147-55.6% | $2,534-44.8% | $4,755-70.6% |
| Participant deferral / active EE | $3,134 | $4,626-32.3% | $3,833-18.2% | $6,713-53.3% |
| Admin fee / account holder | $1,392 | $8,311-83.3% | $5,479-74.6% | $11,407-87.8% |