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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 | $137,201 | $61,660+122.5% | $80,022+71.5% | $64,173+113.8% |
| Participation rate | 35.2% | 71.7%-36.5pp | 75.8%-40.7pp | 69.6%-34.4pp |
| Annual return | -3.94% | -0.33%-3.6pp | 11.22%-15.2pp | 7.63%-11.6pp |
| Employer contribution / active EE | $1,230 | $1,810-32.1% | $2,468-50.2% | $2,381-48.3% |
| Participant deferral / active EE | $2,661 | $2,968-10.3% | $3,686-27.8% | $3,470-23.3% |
| Admin fee / account holder | $2,172 | $5,417-59.9% | $6,521-66.7% | $4,887-55.6% |