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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 | $139,498 | $50,972+173.7% | $88,632+57.4% | $72,976+91.2% |
| Participation rate | 47.4% | 63.4%-16.0pp | 68.8%-21.3pp | 69.5%-22.1pp |
| Annual return | 18.09% | 29.62%-11.5pp | 43.75%-25.7pp | 81.02%-62.9pp |
| Employer contribution / active EE | $684 | $1,475-53.6% | $2,101-67.4% | $2,440-72.0% |
| Participant deferral / active EE | $2,490 | $2,230+11.7% | $2,917-14.6% | $3,608-31.0% |
| Admin fee / account holder | $1,903 | $3,230-41.1% | $4,308-55.8% | $5,124-62.9% |