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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 | $152,284 | $81,474+86.9% | $133,971+13.7% | $73,493+107.2% |
| Participation rate | 55.9% | 76.4%-20.5pp | 79.8%-24.0pp | 70.7%-14.8pp |
| Annual return | 21.03% | 19.40%+1.6pp | 45.09%-24.1pp | 28.51%-7.5pp |
| Employer contribution / active EE | $1,004 | $2,209-54.5% | $3,919-74.4% | $2,270-55.8% |
| Participant deferral / active EE | $3,480 | $3,786-8.1% | $5,047-31.1% | $3,740-6.9% |
| Admin fee / account holder | $12,083 | $713+1594.4% | $8,929+35.3% | $513+2255.0% |