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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 | $152,649 | $29,736+413.3% | $56,033+172.4% | $80,935+88.6% |
| Participation rate | 45.6% | 41.7%+3.9pp | 52.5%-6.9pp | 67.7%-22.0pp |
| Annual return | 18.58% | 35.28%-16.7pp | 1711.38%-1692.8pp | 35.66%-17.1pp |
| Employer contribution / active EE | $1,169 | $671+74.1% | $1,041+12.3% | $2,757-57.6% |
| Participant deferral / active EE | $3,686 | $1,228+200.0% | $1,954+88.6% | $4,299-14.3% |
| Admin fee / account holder | $1,126 | $2,434-53.7% | $2,827-60.2% | $6,924-83.7% |