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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 | $131,806 | $86,938+51.6% | $102,423+28.7% | $80,925+62.9% |
| Participation rate | 54.0% | 72.4%-18.4pp | 76.5%-22.5pp | 67.7%-13.7pp |
| Annual return | 11.93% | 18.89%-7.0pp | 29.42%-17.5pp | 35.65%-23.7pp |
| Employer contribution / active EE | $1,808 | $2,369-23.7% | $3,023-40.2% | $2,756-34.4% |
| Participant deferral / active EE | $4,757 | $4,120+15.4% | $5,054-5.9% | $4,299+10.7% |
| Admin fee / account holder | $32,938 | $8,053+309.0% | $9,455+248.4% | $6,940+374.6% |