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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 | $131,683 | $86,940+51.5% | $102,434+28.6% | $80,935+62.7% |
| Participation rate | 53.0% | 72.4%-19.4pp | 76.5%-23.5pp | 67.7%-14.6pp |
| Annual return | 11.22% | 18.89%-7.7pp | 29.46%-18.2pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,663 | $2,370-29.8% | $3,023-45.0% | $2,757-39.7% |
| Participant deferral / active EE | $3,860 | $4,121-6.3% | $5,055-23.6% | $4,299-10.2% |
| Admin fee / account holder | $33,011 | $8,047+310.2% | $9,462+248.9% | $6,924+376.7% |