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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 | $129,352 | $78,705+64.4% | $117,860+9.8% | $70,124+84.5% |
| Participation rate | 58.9% | 73.2%-14.2pp | 79.7%-20.7pp | 69.5%-10.6pp |
| Annual return | 15.70% | 23.30%-7.6pp | 335.10%-319.4pp | 73.14%-57.4pp |
| Employer contribution / active EE | $699 | $2,223-68.5% | $3,786-81.5% | $2,342-70.1% |
| Participant deferral / active EE | $7,976 | $3,297+141.9% | $4,482+78.0% | $3,332+139.4% |
| Admin fee / account holder | $7,034 | $5,065+38.9% | $8,021-12.3% | $4,645+51.4% |