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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 | $133,385 | $67,411+97.9% | $91,004+46.6% | $70,126+90.2% |
| Participation rate | 35.1% | 71.4%-36.3pp | 75.6%-40.5pp | 69.5%-34.4pp |
| Annual return | 17.31% | -40.16%+57.5pp | 4.60%+12.7pp | 73.15%-55.8pp |
| Employer contribution / active EE | $1,099 | $1,786-38.4% | $2,456-55.2% | $2,343-53.1% |
| Participant deferral / active EE | $2,477 | $2,823-12.2% | $3,548-30.2% | $3,332-25.6% |
| Admin fee / account holder | $3,120 | $4,236-26.4% | $5,417-42.4% | $4,645-32.8% |