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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 | $136,281 | $76,371+78.4% | $93,621+45.6% | $72,975+86.7% |
| Participation rate | 51.5% | 71.8%-20.2pp | 75.8%-24.3pp | 69.5%-18.0pp |
| Annual return | 26.12% | 25.82%+0.3pp | 32.76%-6.6pp | 81.01%-54.9pp |
| Employer contribution / active EE | $984 | $2,276-56.7% | $2,719-63.8% | $2,440-59.7% |
| Participant deferral / active EE | $2,534 | $3,538-28.4% | $4,070-37.7% | $3,608-29.8% |
| Admin fee / account holder | $22,307 | $6,839+226.2% | $7,890+182.7% | $5,124+335.4% |