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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 | $134,395 | $78,425+71.4% | $95,956+40.1% | $79,858+68.3% |
| Participation rate | 62.9% | 73.5%-10.6pp | 77.1%-14.2pp | 69.6%-6.8pp |
| Annual return | 14.96% | 19.37%-4.4pp | 91.63%-76.7pp | 31.72%-16.8pp |
| Employer contribution / active EE | $1,649 | $1,945-15.2% | $2,541-35.1% | $2,471-33.3% |
| Participant deferral / active EE | $3,487 | $3,440+1.4% | $4,167-16.3% | $3,740-6.8% |
| Admin fee / account holder | $2,129 | $5,622-62.1% | $6,797-68.7% | $5,306-59.9% |