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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 | $133,744 | $58,600+128.2% | $83,327+60.5% | $64,173+108.4% |
| Participation rate | 53.3% | 72.0%-18.7pp | 77.8%-24.4pp | 69.6%-16.2pp |
| Annual return | 17.39% | 9.66%+7.7pp | 10.64%+6.7pp | 7.63%+9.8pp |
| Employer contribution / active EE | $1,785 | $2,098-14.9% | $3,379-47.2% | $2,381-25.0% |
| Participant deferral / active EE | $3,305 | $4,656-29.0% | $5,565-40.6% | $3,470-4.8% |
| Admin fee / account holder | $1,006 | $9,282-89.2% | $7,540-86.7% | $4,887-79.4% |