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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 | $136,983 | $87,180+57.1% | $173,703-21.1% | $94,015+45.7% |
| Participation rate | 37.5% | 65.6%-28.1pp | 75.9%-38.4pp | 70.8%-33.3pp |
| Annual return | 16.52% | 14.17%+2.4pp | 17.46%-0.9pp | 17.84%-1.3pp |
| Employer contribution / active EE | $1,734 | $2,494-30.5% | $4,288-59.6% | $2,790-37.9% |
| Participant deferral / active EE | $2,125 | $3,343-36.4% | $4,854-56.2% | $4,249-50.0% |
| Admin fee / account holder | $2,574 | $7,506-65.7% | $15,562-83.5% | $8,951-71.2% |