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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 | $133,252 | $76,834+73.4% | $108,359+23.0% | $87,485+52.3% |
| Participation rate | 50.0% | 61.7%-11.7pp | 70.1%-20.1pp | 68.9%-18.9pp |
| Annual return | 14.21% | 19.09%-4.9pp | 36.89%-22.7pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,344 | $1,556-13.6% | $2,399-44.0% | $2,596-48.2% |
| Participant deferral / active EE | $3,302 | $3,100+6.5% | $4,137-20.2% | $4,274-22.7% |
| Admin fee / account holder | $15,517 | $6,537+137.4% | $9,741+59.3% | $7,775+99.6% |