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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 | $130,814 | $77,908+67.9% | $149,696-12.6% | $75,173+74.0% |
| Participation rate | 25.0% | 65.6%-40.6pp | 78.8%-53.8pp | 67.2%-42.2pp |
| Annual return | 13.87% | 31.73%-17.9pp | 134.46%-120.6pp | 160.72%-146.9pp |
| Employer contribution / active EE | $855 | $3,138-72.8% | $4,821-82.3% | $2,671-68.0% |
| Participant deferral / active EE | $1,532 | $3,411-55.1% | $5,682-73.0% | $4,126-62.9% |
| Admin fee / account holder | $7,045 | $5,950+18.4% | $13,212-46.7% | $5,651+24.7% |