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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 | $139,676 | $61,125+128.5% | $94,057+48.5% | $87,485+59.7% |
| Participation rate | 49.2% | 64.1%-14.8pp | 73.3%-24.1pp | 68.9%-19.7pp |
| Annual return | 15.35% | 35.20%-19.9pp | 480.62%-465.3pp | 26.06%-10.7pp |
| Employer contribution / active EE | $1,452 | $2,136-32.0% | $2,933-50.5% | $2,596-44.1% |
| Participant deferral / active EE | $2,852 | $3,260-12.5% | $4,709-39.4% | $4,274-33.3% |
| Admin fee / account holder | $4,771 | $5,629-15.2% | $7,244-34.1% | $7,775-38.6% |