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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 | $126,793 | $77,472+63.7% | $100,392+26.3% | $80,935+56.7% |
| Participation rate | 44.9% | 76.9%-32.0pp | 81.5%-36.6pp | 67.7%-22.7pp |
| Annual return | 15.50% | 37.26%-21.8pp | 49.45%-33.9pp | 35.66%-20.2pp |
| Employer contribution / active EE | $1,295 | $2,800-53.8% | $3,941-67.2% | $2,757-53.0% |
| Participant deferral / active EE | $3,416 | $6,818-49.9% | $8,090-57.8% | $4,299-20.6% |
| Admin fee / account holder | $70,806 | $5,885+1103.2% | $7,904+795.8% | $6,924+922.6% |