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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 | $139,436 | $50,947+173.7% | $74,551+87.0% | $64,173+117.3% |
| Participation rate | 56.5% | 61.1%-4.6pp | 69.1%-12.7pp | 69.6%-13.1pp |
| Annual return | 8.73% | -1.85%+10.6pp | 32.53%-23.8pp | 7.63%+1.1pp |
| Employer contribution / active EE | $1,577 | $1,115+41.4% | $1,961-19.6% | $2,381-33.8% |
| Participant deferral / active EE | $3,070 | $2,302+33.4% | $3,108-1.2% | $3,470-11.5% |
| Admin fee / account holder | $63,054 | $4,221+1393.8% | $5,059+1146.3% | $4,887+1190.1% |