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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 | $129,263 | $59,839+116.0% | $81,988+57.7% | $79,858+61.9% |
| Participation rate | 38.5% | 61.6%-23.2pp | 69.3%-30.8pp | 69.6%-31.2pp |
| Annual return | 14.11% | 17.56%-3.4pp | 41.31%-27.2pp | 31.72%-17.6pp |
| Employer contribution / active EE | $1,255 | $1,713-26.7% | $2,498-49.8% | $2,471-49.2% |
| Participant deferral / active EE | $3,268 | $2,695+21.3% | $3,722-12.2% | $3,740-12.6% |
| Admin fee / account holder | $1,787 | $4,287-58.3% | $5,665-68.5% | $5,306-66.3% |