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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 | $95,404+42.3% | $113,397+19.7% | $82,637+64.3% |
| Participation rate | 37.3% | 72.8%-35.5pp | 76.5%-39.2pp | 68.1%-30.7pp |
| Annual return | 12.45% | 19.08%-6.6pp | 23.20%-10.7pp | 53.51%-41.1pp |
| Employer contribution / active EE | $1,300 | $2,307-43.6% | $2,977-56.3% | $2,552-49.1% |
| Participant deferral / active EE | $3,001 | $4,220-28.9% | $5,076-40.9% | $4,126-27.3% |
| Admin fee / account holder | $31,451 | $9,168+243.0% | $11,957+163.0% | $7,339+328.6% |