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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 | $83,843+63.3% | $123,973+10.4% | $65,306+109.7% |
| Participation rate | 37.1% | 56.0%-18.9pp | 76.7%-39.6pp | 57.7%-20.6pp |
| Annual return | 12.83% | 19.87%-7.0pp | 388.13%-375.3pp | 21.94%-9.1pp |
| Employer contribution / active EE | $1,317 | $2,873-54.1% | $4,126-68.1% | $1,967-33.0% |
| Participant deferral / active EE | $3,273 | $2,997+9.2% | $5,247-37.6% | $2,959+10.6% |
| Admin fee / account holder | $964 | $4,735-79.6% | $11,799-91.8% | $3,480-72.3% |