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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 | $133,207 | $74,535+78.7% | $100,712+32.3% | $82,637+61.2% |
| Participation rate | 36.5% | 61.2%-24.6pp | 69.3%-32.7pp | 68.1%-31.5pp |
| Annual return | 12.46% | 18.92%-6.5pp | 33.27%-20.8pp | 53.51%-41.0pp |
| Employer contribution / active EE | $912 | $1,503-39.3% | $2,313-60.6% | $2,552-64.3% |
| Participant deferral / active EE | $2,504 | $3,074-18.5% | $4,085-38.7% | $4,126-39.3% |
| Admin fee / account holder | $53,547 | $6,576+714.3% | $9,256+478.5% | $7,339+629.6% |