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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 | $126,088 | $63,764+97.7% | $81,926+53.9% | $79,858+57.9% |
| Participation rate | 39.6% | 67.5%-27.9pp | 72.0%-32.4pp | 69.6%-30.0pp |
| Annual return | 11.29% | 22.66%-11.4pp | 29.49%-18.2pp | 31.72%-20.4pp |
| Employer contribution / active EE | $1,556 | $1,795-13.3% | $4,310-63.9% | $2,471-37.0% |
| Participant deferral / active EE | $3,699 | $2,780+33.0% | $7,108-48.0% | $3,740-1.1% |
| Admin fee / account holder | $2,056 | $4,426-53.6% | $5,159-60.1% | $5,306-61.3% |