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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 | $128,752 | $56,438+128.1% | $76,902+67.4% | $71,529+80.0% |
| Participation rate | 41.7% | 64.3%-22.6pp | 69.6%-27.9pp | 67.9%-26.3pp |
| Annual return | 18.27% | 19.05%-0.8pp | 37.91%-19.6pp | 28.97%-10.7pp |
| Employer contribution / active EE | $1,682 | $1,864-9.7% | $2,534-33.6% | $2,590-35.1% |
| Participant deferral / active EE | $3,162 | $3,136+0.8% | $3,833-17.5% | $4,291-26.3% |
| Admin fee / account holder | $11,716 | $1,430+719.1% | $5,479+113.8% | $1,588+637.5% |