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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 | $193,551 | $123,412+56.8% | $69,460+178.7% | $145,978+32.6% |
| Participation rate | 50.0% | 69.2%-19.2pp | 66.4%-16.4pp | 80.3%-30.3pp |
| Annual return | 7.43% | 191.25%-183.8pp | 100.80%-93.4pp | 550.52%-543.1pp |
| Employer contribution / active EE | $1,096 | $2,684-59.2% | $1,714-36.0% | $4,662-76.5% |
| Participant deferral / active EE | $5,021 | $4,240+18.4% | $2,890+73.7% | $6,690-25.0% |
| Admin fee / account holder | $5,925 | $7,816-24.2% | $4,695+26.2% | $13,400-55.8% |