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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 | $136,381 | $73,787+84.8% | $98,716+38.2% | $82,448+65.4% |
| Participation rate | 44.4% | 61.4%-17.0pp | 69.3%-24.8pp | 68.1%-23.6pp |
| Annual return | 16.41% | 18.57%-2.2pp | 31.81%-15.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,069 | $1,511-29.2% | $2,279-53.1% | $2,551-58.1% |
| Participant deferral / active EE | $3,919 | $3,081+27.2% | $4,048-3.2% | $4,139-5.3% |
| Admin fee / account holder | $3,547 | $6,500-45.4% | $8,703-59.2% | $7,234-51.0% |