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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 | $172,507 | $52,279+230.0% | $89,414+92.9% | $79,852+116.0% |
| Participation rate | 38.8% | 57.5%-18.7pp | 68.0%-29.2pp | 69.6%-30.8pp |
| Annual return | 38.40% | 22.16%+16.2pp | 245.50%-207.1pp | 31.72%+6.7pp |
| Employer contribution / active EE | $932 | $1,572-40.7% | $2,586-64.0% | $2,471-62.3% |
| Participant deferral / active EE | $2,524 | $2,740-7.9% | $3,890-35.1% | $3,740-32.5% |
| Admin fee / account holder | $10,777 | $3,356+221.1% | $4,883+120.7% | $5,306+103.1% |