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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 | $132,239 | $93,064+42.1% | $74,577+77.3% | $273,972-51.7% |
| Participation rate | 66.7% | 74.9%-8.3pp | 68.1%-1.4pp | 83.0%-16.3pp |
| Annual return | 7.34% | 26.18%-18.8pp | 20.47%-13.1pp | 41.46%-34.1pp |
| Employer contribution / active EE | $1,421 | $3,160-55.0% | $2,525-43.7% | $4,869-70.8% |
| Participant deferral / active EE | $4,021 | $4,160-3.4% | $3,458+16.3% | $5,287-24.0% |
| Admin fee / account holder | $2,536 | $5,273-51.9% | $4,138-38.7% | $10,133-75.0% |