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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 | $131,199 | $57,061+129.9% | $85,063+54.2% | $80,911+62.2% |
| Participation rate | 25.5% | 56.3%-30.9pp | 67.5%-42.0pp | 67.6%-42.2pp |
| Annual return | 13.34% | 21.66%-8.3pp | 66.54%-53.2pp | 35.63%-22.3pp |
| Employer contribution / active EE | $835 | $1,799-53.6% | $2,727-69.4% | $2,756-69.7% |
| Participant deferral / active EE | $1,657 | $3,110-46.7% | $4,523-63.4% | $4,297-61.5% |
| Admin fee / account holder | $5,387 | $4,986+8.0% | $6,155-12.5% | $6,935-22.3% |