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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 | $130,802 | $63,456+106.1% | $100,712+29.9% | $64,097+104.1% |
| Participation rate | 61.7% | 49.7%+12.0pp | 69.3%-7.6pp | 55.2%+6.5pp |
| Annual return | 15.62% | 19.65%-4.0pp | 33.27%-17.6pp | 34.64%-19.0pp |
| Employer contribution / active EE | $0 | $1,003-100.0% | $2,313-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $3,678 | $2,463+49.3% | $4,085-10.0% | $3,080+19.4% |
| Admin fee / account holder | $3,237 | $4,808-32.7% | $9,256-65.0% | $3,454-6.3% |