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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 | $70,476 | $37,422+88.3% | $92,985-24.2% | $64,728+8.9% |
| Participation rate | 34.5% | 40.1%-5.7pp | 69.5%-35.0pp | 57.9%-23.4pp |
| Annual return | 16.41% | 20.66%-4.3pp | 27.99%-11.6pp | 49.38%-33.0pp |
| Employer contribution / active EE | $1,377 | $1,156+19.1% | $2,662-48.3% | $2,243-38.6% |
| Participant deferral / active EE | $1,733 | $1,740-0.4% | $4,377-60.4% | $2,729-36.5% |
| Admin fee / account holder | $13,069 | $2,190+496.8% | $9,463+38.1% | $1,145+1041.3% |