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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 | $130,366 | $91,760+42.1% | $156,181-16.5% | $67,986+91.8% |
| Participation rate | 60.2% | 65.0%-4.8pp | 78.8%-18.7pp | 57.2%+3.0pp |
| Annual return | 13.29% | 18.14%-4.8pp | 64.87%-51.6pp | 31.67%-18.4pp |
| Employer contribution / active EE | $961 | $2,419-60.3% | $4,294-77.6% | $2,019-52.4% |
| Participant deferral / active EE | $3,611 | $3,960-8.8% | $6,132-41.1% | $3,358+7.5% |
| Admin fee / account holder | $2,767 | $3,949-29.9% | $14,586-81.0% | $3,203-13.6% |