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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 | $125,039 | $81,487+53.4% | $102,412+22.1% | $80,935+54.5% |
| Participation rate | 29.7% | 66.8%-37.1pp | 74.5%-44.8pp | 67.7%-37.9pp |
| Annual return | 13.74% | 25.60%-11.9pp | 24.94%-11.2pp | 35.66%-21.9pp |
| Employer contribution / active EE | $1,283 | $3,103-58.6% | $3,870-66.8% | $2,757-53.4% |
| Participant deferral / active EE | $1,627 | $3,871-58.0% | $5,060-67.8% | $4,299-62.2% |
| Admin fee / account holder | $2,798 | $6,717-58.3% | $8,388-66.6% | $6,924-59.6% |