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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 | $121,701 | $76,112+59.9% | $96,534+26.1% | $71,511+70.2% |
| Participation rate | 45.8% | 74.4%-28.6pp | 76.0%-30.2pp | 67.9%-22.1pp |
| Annual return | 15.17% | 22.81%-7.6pp | 25.88%-10.7pp | 28.86%-13.7pp |
| Employer contribution / active EE | $1,603 | $2,248-28.7% | $2,965-45.9% | $2,589-38.1% |
| Participant deferral / active EE | $3,141 | $4,217-25.5% | $4,851-35.2% | $4,291-26.8% |
| Admin fee / account holder | $63,543 | $2,708+2246.1% | $8,253+669.9% | $1,588+3900.3% |