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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 | $140,651 | $59,335+137.0% | $129,031+9.0% | $69,733+101.7% |
| Participation rate | 30.6% | 43.3%-12.6pp | 73.4%-42.7pp | 62.5%-31.8pp |
| Annual return | 19.84% | 19.52%+0.3pp | 34.67%-14.8pp | 15.22%+4.6pp |
| Employer contribution / active EE | $1,582 | $1,639-3.5% | $3,226-51.0% | $2,250-29.7% |
| Participant deferral / active EE | $3,884 | $2,485+56.3% | $5,217-25.6% | $3,054+27.1% |
| Admin fee / account holder | $10,979 | $3,940+178.6% | $13,208-16.9% | $3,102+253.9% |