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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 | $160,119 | $53,063+201.8% | $124,206+28.9% | $82,637+93.8% |
| Participation rate | 39.4% | 58.4%-19.0pp | 69.6%-30.1pp | 68.1%-28.6pp |
| Annual return | 14.69% | 68.87%-54.2pp | 515.27%-500.6pp | 53.51%-38.8pp |
| Employer contribution / active EE | $2,012 | $1,530+31.5% | $3,540-43.2% | $2,552-21.1% |
| Participant deferral / active EE | $5,023 | $2,644+89.9% | $3,968+26.6% | $4,126+21.7% |
| Admin fee / account holder | $1,257 | $4,281-70.6% | $5,929-78.8% | $7,339-82.9% |