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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 | $124,975 | $87,132+43.4% | $105,624+18.3% | $80,959+54.4% |
| Participation rate | 55.9% | 70.4%-14.5pp | 75.3%-19.4pp | 67.7%-11.8pp |
| Annual return | 12.37% | 17.03%-4.7pp | 116.20%-103.8pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,714 | $2,397-28.5% | $3,168-45.9% | $2,757-37.8% |
| Participant deferral / active EE | $3,308 | $3,985-17.0% | $5,013-34.0% | $4,300-23.1% |
| Admin fee / account holder | $14,752 | $8,449+74.6% | $10,961+34.6% | $6,925+113.0% |