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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 | $134,732 | $78,670+71.3% | $109,173+23.4% | $85,847+56.9% |
| Participation rate | 51.6% | 68.3%-16.7pp | 75.9%-24.3pp | 69.3%-17.8pp |
| Annual return | 15.87% | 25.09%-9.2pp | 25.75%-9.9pp | 318.61%-302.7pp |
| Employer contribution / active EE | $1,981 | $2,734-27.5% | $3,723-46.8% | $2,565-22.8% |
| Participant deferral / active EE | $3,529 | $3,467+1.8% | $4,654-24.2% | $3,952-10.7% |
| Admin fee / account holder | $8,548 | $5,469+56.3% | $6,755+26.5% | $6,261+36.5% |