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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 | $57,073+145.4% | $85,126+64.5% | $80,925+73.1% |
| Participation rate | 36.1% | 56.4%-20.3pp | 67.5%-31.4pp | 67.7%-31.5pp |
| Annual return | 16.41% | 21.69%-5.3pp | 66.63%-50.2pp | 35.65%-19.2pp |
| Employer contribution / active EE | $1,910 | $1,801+6.1% | $2,731-30.1% | $2,756-30.7% |
| Participant deferral / active EE | $3,126 | $3,113+0.4% | $4,523-30.9% | $4,299-27.3% |
| Admin fee / account holder | $12,870 | $4,988+158.0% | $6,160+108.9% | $6,940+85.4% |