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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 | $128,566 | $76,407+68.3% | $150,298-14.5% | $82,448+55.9% |
| Participation rate | 48.1% | 66.4%-18.2pp | 77.8%-29.6pp | 68.1%-19.9pp |
| Annual return | 16.63% | 39.99%-23.4pp | 62.79%-46.2pp | 41.64%-25.0pp |
| Employer contribution / active EE | $633 | $2,614-75.8% | $4,154-84.8% | $2,551-75.2% |
| Participant deferral / active EE | $4,523 | $3,214+40.7% | $5,453-17.1% | $4,139+9.3% |
| Admin fee / account holder | $3,681 | $6,352-42.1% | $14,116-73.9% | $7,234-49.1% |