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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 | $155,813 | $95,406+63.3% | $185,849-16.2% | $85,847+81.5% |
| Participation rate | 43.8% | 68.8%-25.0pp | 81.7%-38.0pp | 69.3%-25.6pp |
| Annual return | 16.55% | 23.59%-7.0pp | 122.10%-105.5pp | 318.61%-302.1pp |
| Employer contribution / active EE | $1,468 | $3,314-55.7% | $5,169-71.6% | $2,565-42.8% |
| Participant deferral / active EE | $3,779 | $3,424+10.4% | $5,569-32.1% | $3,952-4.4% |
| Admin fee / account holder | $4,266 | $7,214-40.9% | $16,244-73.7% | $6,261-31.9% |