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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 | $135,128 | $81,487+65.8% | $102,412+31.9% | $80,935+67.0% |
| Participation rate | 44.4% | 66.8%-22.4pp | 74.5%-30.1pp | 67.7%-23.2pp |
| Annual return | 14.94% | 25.60%-10.7pp | 24.94%-10.0pp | 35.66%-20.7pp |
| Employer contribution / active EE | $928 | $3,103-70.1% | $3,870-76.0% | $2,757-66.4% |
| Participant deferral / active EE | $2,345 | $3,871-39.4% | $5,060-53.7% | $4,299-45.4% |
| Admin fee / account holder | $6,576 | $6,717-2.1% | $8,388-21.6% | $6,924-5.0% |