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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 | $134,366 | $81,504+64.9% | $102,437+31.2% | $80,959+66.0% |
| Participation rate | 40.0% | 66.9%-26.9pp | 74.5%-34.5pp | 67.7%-27.7pp |
| Annual return | 13.28% | 25.60%-12.3pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,672 | $3,104-46.1% | $3,871-56.8% | $2,757-39.4% |
| Participant deferral / active EE | $2,689 | $3,871-30.5% | $5,060-46.9% | $4,300-37.5% |
| Admin fee / account holder | $2,707 | $6,719-59.7% | $8,388-67.7% | $6,925-60.9% |