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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 | $121,860 | $91,760+32.8% | $156,181-22.0% | $67,986+79.2% |
| Participation rate | 32.4% | 65.0%-32.6pp | 78.8%-46.4pp | 57.2%-24.8pp |
| Annual return | 15.21% | 18.14%-2.9pp | 64.87%-49.7pp | 31.67%-16.5pp |
| Employer contribution / active EE | $1,134 | $2,419-53.1% | $4,294-73.6% | $2,019-43.8% |
| Participant deferral / active EE | $2,609 | $3,960-34.1% | $6,132-57.5% | $3,358-22.3% |
| Admin fee / account holder | $5,880 | $3,949+48.9% | $14,586-59.7% | $3,203+83.6% |