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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 | $128,712 | $64,462+99.7% | $81,482+58.0% | $80,911+59.1% |
| Participation rate | 39.3% | 63.9%-24.6pp | 69.5%-30.2pp | 67.6%-28.4pp |
| Annual return | 11.55% | 16.35%-4.8pp | 24.79%-13.2pp | 35.63%-24.1pp |
| Employer contribution / active EE | $524 | $1,979-73.5% | $2,463-78.7% | $2,756-81.0% |
| Participant deferral / active EE | $3,875 | $3,094+25.3% | $3,885-0.3% | $4,297-9.8% |
| Admin fee / account holder | $32,290 | $5,678+468.7% | $5,761+460.5% | $6,935+365.6% |