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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 | $136,822 | $76,383+79.1% | $121,663+12.5% | $64,340+112.7% |
| Participation rate | 49.4% | 60.4%-11.0pp | 74.5%-25.1pp | 55.2%-5.9pp |
| Annual return | 14.63% | 16.98%-2.3pp | 147.54%-132.9pp | 24.14%-9.5pp |
| Employer contribution / active EE | $621 | $1,943-68.0% | $3,020-79.4% | $1,862-66.6% |
| Participant deferral / active EE | $3,614 | $3,149+14.8% | $4,887-26.0% | $2,980+21.3% |
| Admin fee / account holder | $13,743 | $4,142+231.8% | $14,289-3.8% | $3,703+271.2% |