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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 | $135,736 | $95,453+42.2% | $112,040+21.1% | $82,448+64.6% |
| Participation rate | 37.3% | 72.8%-35.4pp | 76.5%-39.2pp | 68.1%-30.8pp |
| Annual return | 12.45% | 23.92%-11.5pp | 24.52%-12.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,300 | $2,318-43.9% | $2,954-56.0% | $2,551-49.0% |
| Participant deferral / active EE | $3,001 | $4,224-28.9% | $5,098-41.1% | $4,139-27.5% |
| Admin fee / account holder | $31,451 | $9,013+248.9% | $12,098+160.0% | $7,234+334.7% |