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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 | $129,024 | $95,453+35.2% | $112,040+15.2% | $82,448+56.5% |
| Participation rate | 50.8% | 72.8%-21.9pp | 76.5%-25.7pp | 68.1%-17.2pp |
| Annual return | 16.34% | 23.92%-7.6pp | 24.52%-8.2pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,705 | $2,318-26.4% | $2,954-42.3% | $2,551-33.1% |
| Participant deferral / active EE | $4,765 | $4,224+12.8% | $5,098-6.5% | $4,139+15.1% |
| Admin fee / account holder | $2,989 | $9,013-66.8% | $12,098-75.3% | $7,234-58.7% |