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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 | $80,705+69.5% | $115,768+18.2% | $67,986+101.3% |
| Participation rate | 49.4% | 63.0%-13.6pp | 74.4%-25.0pp | 57.2%-7.8pp |
| Annual return | 14.63% | 18.49%-3.9pp | 100.46%-85.8pp | 31.67%-17.0pp |
| Employer contribution / active EE | $621 | $2,046-69.6% | $2,940-78.9% | $2,019-69.2% |
| Participant deferral / active EE | $3,614 | $3,559+1.6% | $4,917-26.5% | $3,358+7.6% |
| Admin fee / account holder | $13,743 | $4,135+232.3% | $12,439+10.5% | $3,203+329.0% |