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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 | $131,806 | $86,922+51.6% | $102,438+28.7% | $80,874+63.0% |
| Participation rate | 54.0% | 72.4%-18.4pp | 76.5%-22.5pp | 67.6%-13.6pp |
| Annual return | 11.93% | 18.90%-7.0pp | 29.37%-17.4pp | 35.62%-23.7pp |
| Employer contribution / active EE | $1,808 | $2,369-23.7% | $3,024-40.2% | $2,756-34.4% |
| Participant deferral / active EE | $4,757 | $4,119+15.5% | $5,054-5.9% | $4,297+10.7% |
| Admin fee / account holder | $32,938 | $8,050+309.2% | $9,448+248.6% | $6,935+374.9% |