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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 | $140,309 | $95,404+47.1% | $113,397+23.7% | $82,637+69.8% |
| Participation rate | 46.9% | 72.8%-25.9pp | 76.5%-29.6pp | 68.1%-21.2pp |
| Annual return | 13.07% | 19.08%-6.0pp | 23.20%-10.1pp | 53.51%-40.4pp |
| Employer contribution / active EE | $1,085 | $2,307-53.0% | $2,977-63.6% | $2,552-57.5% |
| Participant deferral / active EE | $2,288 | $4,220-45.8% | $5,076-54.9% | $4,126-44.6% |
| Admin fee / account holder | $13,319 | $9,168+45.3% | $11,957+11.4% | $7,339+81.5% |