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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 | $51,638+170.5% | $68,368+104.3% | $82,448+69.4% |
| Participation rate | 49.2% | 63.6%-14.4pp | 73.8%-24.5pp | 68.1%-18.8pp |
| Annual return | 15.35% | 37.53%-22.2pp | 292.57%-277.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,452 | $2,047-29.1% | $2,649-45.2% | $2,551-43.1% |
| Participant deferral / active EE | $2,852 | $2,914-2.1% | $4,123-30.8% | $4,139-31.1% |
| Admin fee / account holder | $4,771 | $4,643+2.7% | $5,150-7.4% | $7,234-34.1% |