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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 | $126,417 | $63,773+98.2% | $81,286+55.5% | $80,925+56.2% |
| Participation rate | 54.2% | 63.9%-9.7pp | 69.5%-15.3pp | 67.7%-13.4pp |
| Annual return | 14.45% | 16.37%-1.9pp | 24.80%-10.3pp | 35.65%-21.2pp |
| Employer contribution / active EE | $1,085 | $1,979-45.2% | $2,463-55.9% | $2,756-60.6% |
| Participant deferral / active EE | $3,914 | $3,093+26.5% | $3,883+0.8% | $4,299-8.9% |
| Admin fee / account holder | $53,159 | $5,682+835.6% | $5,764+822.3% | $6,940+666.0% |