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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 | $136,598 | $88,672+54.0% | $105,223+29.8% | $82,448+65.7% |
| Participation rate | 37.0% | 67.9%-31.0pp | 75.0%-38.1pp | 68.1%-31.1pp |
| Annual return | 14.06% | 30.86%-16.8pp | 180.65%-166.6pp | 41.64%-27.6pp |
| Employer contribution / active EE | $2,386 | $3,048-21.7% | $3,689-35.3% | $2,551-6.5% |
| Participant deferral / active EE | $3,356 | $4,036-16.8% | $5,072-33.8% | $4,139-18.9% |
| Admin fee / account holder | $1,191 | $7,146-83.3% | $8,859-86.6% | $7,234-83.5% |