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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 | $131,454 | $71,215+84.6% | $93,696+40.3% | $80,935+62.4% |
| Participation rate | 51.4% | 60.4%-9.0pp | 68.7%-17.4pp | 67.7%-16.3pp |
| Annual return | 16.98% | 11.27%+5.7pp | 133.74%-116.8pp | 35.66%-18.7pp |
| Employer contribution / active EE | $681 | $1,565-56.5% | $2,422-71.9% | $2,757-75.3% |
| Participant deferral / active EE | $3,735 | $4,037-7.5% | $4,417-15.4% | $4,299-13.1% |
| Admin fee / account holder | $12,172 | $6,958+74.9% | $8,287+46.9% | $6,924+75.8% |