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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 | $124,743 | $95,453+30.7% | $112,040+11.3% | $82,448+51.3% |
| Participation rate | 64.7% | 72.8%-8.1pp | 76.5%-11.8pp | 68.1%-3.4pp |
| Annual return | 13.44% | 23.92%-10.5pp | 24.52%-11.1pp | 41.64%-28.2pp |
| Employer contribution / active EE | $682 | $2,318-70.6% | $2,954-76.9% | $2,551-73.3% |
| Participant deferral / active EE | $3,858 | $4,224-8.7% | $5,098-24.3% | $4,139-6.8% |
| Admin fee / account holder | $22,511 | $9,013+149.8% | $12,098+86.1% | $7,234+211.2% |