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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 | $135,976 | $81,476+66.9% | $102,383+32.8% | $80,925+68.0% |
| Participation rate | 40.7% | 66.8%-26.1pp | 74.5%-33.8pp | 67.7%-27.0pp |
| Annual return | 16.13% | 25.59%-9.5pp | 24.94%-8.8pp | 35.65%-19.5pp |
| Employer contribution / active EE | $1,095 | $3,105-64.7% | $3,870-71.7% | $2,756-60.3% |
| Participant deferral / active EE | $2,727 | $3,871-29.5% | $5,060-46.1% | $4,299-36.6% |
| Admin fee / account holder | $8,462 | $6,717+26.0% | $8,391+0.8% | $6,940+21.9% |