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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 | $131,641 | $86,949+51.4% | $102,460+28.5% | $80,959+62.6% |
| Participation rate | 61.5% | 72.4%-10.8pp | 76.5%-15.0pp | 67.7%-6.1pp |
| Annual return | 18.87% | 18.89%0pp | 29.47%-10.6pp | 35.67%-16.8pp |
| Employer contribution / active EE | $704 | $2,370-70.3% | $3,025-76.7% | $2,757-74.5% |
| Participant deferral / active EE | $3,983 | $4,121-3.3% | $5,056-21.2% | $4,300-7.4% |
| Admin fee / account holder | $41,351 | $8,048+413.8% | $9,460+337.1% | $6,925+497.1% |