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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 | $130,342 | $78,670+65.7% | $109,173+19.4% | $85,847+51.8% |
| Participation rate | 39.1% | 68.3%-29.1pp | 75.9%-36.7pp | 69.3%-30.2pp |
| Annual return | 15.03% | 25.09%-10.1pp | 25.75%-10.7pp | 318.61%-303.6pp |
| Employer contribution / active EE | $1,536 | $2,734-43.8% | $3,723-58.7% | $2,565-40.1% |
| Participant deferral / active EE | $3,401 | $3,467-1.9% | $4,654-26.9% | $3,952-14.0% |
| Admin fee / account holder | $1,967 | $5,469-64.0% | $6,755-70.9% | $6,261-68.6% |