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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 | $137,180 | $91,198+50.4% | $178,503-23.1% | $79,856+71.8% |
| Participation rate | 41.7% | 69.2%-27.5pp | 81.9%-40.3pp | 69.6%-28.0pp |
| Annual return | 15.95% | 24.20%-8.2pp | 151.12%-135.2pp | 31.71%-15.8pp |
| Employer contribution / active EE | $2,074 | $3,257-36.3% | $5,011-58.6% | $2,471-16.1% |
| Participant deferral / active EE | $2,492 | $3,237-23.0% | $5,202-52.1% | $3,741-33.4% |
| Admin fee / account holder | $960 | $6,748-85.8% | $13,987-93.1% | $5,306-81.9% |