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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 | $136,411 | $94,031+45.1% | $115,768+17.8% | $82,448+65.5% |
| Participation rate | 59.2% | 70.4%-11.2pp | 74.4%-15.2pp | 68.1%-8.9pp |
| Annual return | 16.30% | 20.61%-4.3pp | 100.46%-84.2pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,663 | $2,323-28.4% | $2,940-43.4% | $2,551-34.8% |
| Participant deferral / active EE | $3,769 | $3,972-5.1% | $4,917-23.3% | $4,139-9.0% |
| Admin fee / account holder | $1,506 | $10,249-85.3% | $12,439-87.9% | $7,234-79.2% |