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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 | $97,648+39.7% | $121,663+12.1% | $87,485+55.9% |
| Participation rate | 59.2% | 70.5%-11.3pp | 74.5%-15.3pp | 68.9%-9.7pp |
| Annual return | 16.30% | 18.03%-1.7pp | 147.54%-131.2pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,663 | $2,300-27.7% | $3,020-44.9% | $2,596-35.9% |
| Participant deferral / active EE | $3,769 | $3,923-3.9% | $4,887-22.9% | $4,274-11.8% |
| Admin fee / account holder | $1,506 | $11,100-86.4% | $14,289-89.5% | $7,775-80.6% |