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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 | $129,146 | $57,073+126.3% | $85,126+51.7% | $80,925+59.6% |
| Participation rate | 36.8% | 56.4%-19.6pp | 67.5%-30.7pp | 67.7%-30.8pp |
| Annual return | 15.80% | 21.69%-5.9pp | 66.63%-50.8pp | 35.65%-19.9pp |
| Employer contribution / active EE | $728 | $1,801-59.6% | $2,731-73.4% | $2,756-73.6% |
| Participant deferral / active EE | $1,635 | $3,113-47.5% | $4,523-63.9% | $4,299-62.0% |
| Admin fee / account holder | $13,354 | $4,988+167.7% | $6,160+116.8% | $6,940+92.4% |