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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 | $133,398 | $78,690+69.5% | $161,489-17.4% | $87,485+52.5% |
| Participation rate | 58.2% | 67.5%-9.2pp | 78.7%-20.5pp | 68.9%-10.7pp |
| Annual return | 16.33% | 32.74%-16.4pp | 89.72%-73.4pp | 26.06%-9.7pp |
| Employer contribution / active EE | $2,010 | $2,588-22.3% | $4,268-52.9% | $2,596-22.6% |
| Participant deferral / active EE | $6,049 | $3,311+82.7% | $5,630+7.5% | $4,274+41.6% |
| Admin fee / account holder | $13,758 | $6,724+104.6% | $16,006-14.0% | $7,775+77.0% |