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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 | $128,579 | $86,288+49.0% | $111,306+15.5% | $85,851+49.8% |
| Participation rate | 28.3% | 73.3%-45.0pp | 77.3%-49.0pp | 69.3%-41.0pp |
| Annual return | 16.44% | 19.99%-3.5pp | 54.67%-38.2pp | 318.63%-302.2pp |
| Employer contribution / active EE | $3,545 | $2,044+73.5% | $2,732+29.8% | $2,565+38.2% |
| Participant deferral / active EE | $2,769 | $3,641-23.9% | $4,488-38.3% | $3,952-29.9% |
| Admin fee / account holder | $15,431 | $8,189+88.4% | $7,966+93.7% | $6,261+146.5% |