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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 | $130,081 | $91,760+41.8% | $156,181-16.7% | $67,986+91.3% |
| Participation rate | 46.3% | 65.0%-18.7pp | 78.8%-32.5pp | 57.2%-10.9pp |
| Annual return | 15.20% | 18.14%-2.9pp | 64.87%-49.7pp | 31.67%-16.5pp |
| Employer contribution / active EE | $1,501 | $2,419-37.9% | $4,294-65.0% | $2,019-25.6% |
| Participant deferral / active EE | $2,887 | $3,960-27.1% | $6,132-52.9% | $3,358-14.0% |
| Admin fee / account holder | $12,745 | $3,949+222.8% | $14,586-12.6% | $3,203+297.9% |