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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 | $140,309 | $100,194+40.0% | $122,979+14.1% | $86,983+61.3% |
| Participation rate | 46.9% | 73.0%-26.1pp | 77.2%-30.3pp | 69.5%-22.7pp |
| Annual return | 13.07% | 16.47%-3.4pp | 20.12%-7.0pp | 25.83%-12.8pp |
| Employer contribution / active EE | $1,085 | $2,326-53.4% | $3,062-64.6% | $2,584-58.0% |
| Participant deferral / active EE | $2,288 | $4,133-44.6% | $5,003-54.3% | $4,194-45.4% |
| Admin fee / account holder | $13,319 | $10,148+31.3% | $12,864+3.5% | $7,856+69.5% |