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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 | $128,236 | $101,795+26.0% | $165,100-22.3% | $80,959+58.4% |
| Participation rate | 39.0% | 71.8%-32.8pp | 78.6%-39.6pp | 67.7%-28.6pp |
| Annual return | 12.92% | 16.73%-3.8pp | 70.21%-57.3pp | 35.67%-22.8pp |
| Employer contribution / active EE | $2,123 | $2,954-28.1% | $4,348-51.2% | $2,757-23.0% |
| Participant deferral / active EE | $3,890 | $4,476-13.1% | $6,035-35.5% | $4,300-9.5% |
| Admin fee / account holder | $19,541 | $8,221+137.7% | $12,696+53.9% | $6,925+182.2% |