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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 | $130,368 | $58,099+124.4% | $76,872+69.6% | $75,173+73.4% |
| Participation rate | 22.4% | 63.9%-41.4pp | 69.6%-47.1pp | 67.2%-44.8pp |
| Annual return | 15.87% | 26.71%-10.8pp | 37.90%-22.0pp | 160.72%-144.8pp |
| Employer contribution / active EE | $1,271 | $1,996-36.3% | $2,533-49.8% | $2,671-52.4% |
| Participant deferral / active EE | $2,942 | $2,999-1.9% | $3,832-23.2% | $4,126-28.7% |
| Admin fee / account holder | $1,488 | $4,778-68.9% | $5,476-72.8% | $5,651-73.7% |