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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 | $150,309 | $70,366+113.6% | $66,674+125.4% | $138,895+8.2% |
| Participation rate | 21.7% | 76.2%-54.4pp | 73.7%-51.9pp | 79.9%-58.2pp |
| Annual return | 17.82% | 386.41%-368.6pp | 321.24%-303.4pp | 145.39%-127.6pp |
| Employer contribution / active EE | $829 | $2,765-70.0% | $2,620-68.4% | $4,194-80.2% |
| Participant deferral / active EE | $2,986 | $4,374-31.7% | $4,084-26.9% | $6,396-53.3% |
| Admin fee / account holder | $3,507 | $5,262-33.4% | $5,098-31.2% | $12,562-72.1% |