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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 | $136,147 | $87,132+56.3% | $105,624+28.9% | $80,959+68.2% |
| Participation rate | 44.0% | 70.4%-26.5pp | 75.3%-31.3pp | 67.7%-23.7pp |
| Annual return | 11.69% | 17.03%-5.3pp | 116.20%-104.5pp | 35.67%-24.0pp |
| Employer contribution / active EE | $1,381 | $2,397-42.4% | $3,168-56.4% | $2,757-49.9% |
| Participant deferral / active EE | $3,697 | $3,985-7.2% | $5,013-26.3% | $4,300-14.0% |
| Admin fee / account holder | $6,970 | $8,449-17.5% | $10,961-36.4% | $6,925+0.6% |