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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 | $77,574+71.8% | $108,753+22.5% | $86,983+53.2% |
| Participation rate | 50.0% | 62.3%-12.3pp | 71.1%-21.1pp | 69.5%-19.5pp |
| Annual return | 14.21% | 18.42%-4.2pp | 37.47%-23.3pp | 25.83%-11.6pp |
| Employer contribution / active EE | $1,344 | $1,611-16.6% | $2,427-44.6% | $2,584-48.0% |
| Participant deferral / active EE | $3,302 | $3,128+5.6% | $4,115-19.7% | $4,194-21.3% |
| Admin fee / account holder | $15,517 | $6,529+137.7% | $10,320+50.4% | $7,856+97.5% |