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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 | $140,070 | $57,140+145.1% | $85,240+64.3% | $80,959+73.0% |
| Participation rate | 36.1% | 56.4%-20.3pp | 67.5%-31.4pp | 67.7%-31.6pp |
| Annual return | 16.41% | 21.71%-5.3pp | 66.75%-50.3pp | 35.67%-19.3pp |
| Employer contribution / active EE | $1,910 | $1,802+6.0% | $2,735-30.2% | $2,757-30.7% |
| Participant deferral / active EE | $3,126 | $3,115+0.3% | $4,527-31.0% | $4,300-27.3% |
| Admin fee / account holder | $12,870 | $4,992+157.8% | $6,165+108.8% | $6,925+85.8% |