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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 | $126,359 | $59,804+111.3% | $81,982+54.1% | $79,856+58.2% |
| Participation rate | 35.8% | 61.6%-25.8pp | 69.3%-33.4pp | 69.6%-33.8pp |
| Annual return | 13.70% | 17.56%-3.9pp | 41.31%-27.6pp | 31.71%-18.0pp |
| Employer contribution / active EE | $989 | $1,713-42.3% | $2,498-60.4% | $2,471-60.0% |
| Participant deferral / active EE | $2,143 | $2,695-20.5% | $3,722-42.4% | $3,741-42.7% |
| Admin fee / account holder | $10,978 | $4,288+156.0% | $5,665+93.8% | $5,306+106.9% |