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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 | $141,233 | $65,376+116.0% | $87,102+62.1% | $65,185+116.7% |
| Participation rate | 57.8% | 75.3%-17.5pp | 76.9%-19.0pp | 70.2%-12.4pp |
| Annual return | 20.73% | 31.27%-10.5pp | 28.19%-7.5pp | 29.38%-8.7pp |
| Employer contribution / active EE | $1,342 | $1,822-26.4% | $2,521-46.8% | $2,177-38.3% |
| Participant deferral / active EE | $2,876 | $3,388-15.1% | $4,048-28.9% | $3,514-18.1% |
| Admin fee / account holder | $3,737 | $520+619.0% | $7,491-50.1% | $847+341.1% |