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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 | $135,177 | $73,955+82.8% | $96,520+40.1% | $75,181+79.8% |
| Participation rate | 29.3% | 66.4%-37.1pp | 74.3%-45.0pp | 67.2%-37.9pp |
| Annual return | 18.85% | 26.72%-7.9pp | 35.72%-16.9pp | 160.69%-141.8pp |
| Employer contribution / active EE | $1,069 | $2,930-63.5% | $3,739-71.4% | $2,671-60.0% |
| Participant deferral / active EE | $2,658 | $3,659-27.4% | $4,879-45.5% | $4,126-35.6% |
| Admin fee / account holder | $4,660 | $5,217-10.7% | $6,733-30.8% | $5,650-17.5% |