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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 | $128,417 | $37,156+245.6% | $83,854+53.1% | $86,983+47.6% |
| Participation rate | 39.2% | 49.1%-9.9pp | 59.1%-19.9pp | 69.5%-30.4pp |
| Annual return | 17.30% | 29.88%-12.6pp | 31.39%-14.1pp | 25.83%-8.5pp |
| Employer contribution / active EE | $901 | $661+36.4% | $1,017-11.4% | $2,584-65.1% |
| Participant deferral / active EE | $2,468 | $1,418+74.1% | $2,035+21.3% | $4,194-41.1% |
| Admin fee / account holder | $3,478 | $2,510+38.6% | $3,197+8.8% | $7,856-55.7% |