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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 | $136,928 | $80,674+69.7% | $119,126+14.9% | $64,340+112.8% |
| Participation rate | 37.1% | 55.2%-18.1pp | 75.8%-38.7pp | 55.2%-18.2pp |
| Annual return | 12.83% | 26.86%-14.0pp | 282.11%-269.3pp | 24.14%-11.3pp |
| Employer contribution / active EE | $1,317 | $2,564-48.6% | $4,034-67.3% | $1,862-29.2% |
| Participant deferral / active EE | $3,273 | $3,053+7.2% | $5,318-38.5% | $2,980+9.8% |
| Admin fee / account holder | $964 | $4,559-78.8% | $10,693-91.0% | $3,703-74.0% |