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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 | $88,749 | $44,746+98.3% | $88,179+0.6% | $64,097+38.5% |
| Participation rate | 48.8% | 39.8%+9.0pp | 69.1%-20.4pp | 55.2%-6.4pp |
| Annual return | 16.07% | 24.70%-8.6pp | 64.97%-48.9pp | 34.64%-18.6pp |
| Employer contribution / active EE | $1,542 | $1,078+43.1% | $2,549-39.5% | $1,891-18.5% |
| Participant deferral / active EE | $2,667 | $2,072+28.7% | $4,614-42.2% | $3,080-13.4% |
| Admin fee / account holder | $6,708 | $3,437+95.2% | $7,673-12.6% | $3,454+94.2% |