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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 | $135,092 | $47,848+182.3% | $81,473+65.8% | $70,126+92.6% |
| Participation rate | 38.5% | 58.3%-19.8pp | 68.0%-29.5pp | 69.5%-31.1pp |
| Annual return | 15.82% | 27.25%-11.4pp | 38.78%-23.0pp | 73.15%-57.3pp |
| Employer contribution / active EE | $1,293 | $1,527-15.3% | $2,568-49.7% | $2,343-44.8% |
| Participant deferral / active EE | $2,660 | $2,453+8.4% | $3,537-24.8% | $3,332-20.2% |
| Admin fee / account holder | $7,699 | $3,145+144.8% | $4,561+68.8% | $4,645+65.7% |