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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 | $136,814 | $65,027+110.4% | $90,970+50.4% | $79,852+71.3% |
| Participation rate | 38.2% | 61.6%-23.4pp | 69.0%-30.8pp | 69.6%-31.4pp |
| Annual return | 18.10% | 30.45%-12.3pp | 134.58%-116.5pp | 31.72%-13.6pp |
| Employer contribution / active EE | $965 | $1,247-22.6% | $2,122-54.5% | $2,471-60.9% |
| Participant deferral / active EE | $2,291 | $2,512-8.8% | $3,373-32.1% | $3,740-38.8% |
| Admin fee / account holder | $868 | $4,535-80.9% | $5,960-85.4% | $5,306-83.6% |