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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 | $63,809+101.7% | $81,353+58.2% | $80,935+59.0% |
| Participation rate | 39.3% | 63.9%-24.6pp | 69.5%-30.3pp | 67.7%-28.4pp |
| Annual return | 11.55% | 16.37%-4.8pp | 24.82%-13.3pp | 35.66%-24.1pp |
| Employer contribution / active EE | $524 | $1,981-73.5% | $2,464-78.7% | $2,757-81.0% |
| Participant deferral / active EE | $3,875 | $3,093+25.3% | $3,885-0.2% | $4,299-9.9% |
| Admin fee / account holder | $32,290 | $5,686+467.9% | $5,766+460.0% | $6,924+366.3% |