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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 | $128,557 | $45,343+183.5% | $150,298-14.5% | $67,986+89.1% |
| Participation rate | 37.6% | 51.9%-14.3pp | 77.8%-40.2pp | 57.2%-19.6pp |
| Annual return | 15.95% | 33.28%-17.3pp | 62.79%-46.8pp | 31.67%-15.7pp |
| Employer contribution / active EE | $1,012 | $1,462-30.8% | $4,154-75.6% | $2,019-49.9% |
| Participant deferral / active EE | $1,867 | $2,055-9.1% | $5,453-65.8% | $3,358-44.4% |
| Admin fee / account holder | $3,355 | $2,250+49.1% | $14,116-76.2% | $3,203+4.7% |