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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 | $139,586 | $97,550+43.1% | $120,344+16.0% | $87,485+59.6% |
| Participation rate | 52.8% | 72.8%-20.0pp | 76.7%-23.9pp | 68.9%-16.2pp |
| Annual return | 20.99% | 18.41%+2.6pp | 20.30%+0.7pp | 26.06%-5.1pp |
| Employer contribution / active EE | $1,810 | $2,291-21.0% | $3,020-40.1% | $2,596-30.3% |
| Participant deferral / active EE | $3,918 | $4,230-7.4% | $5,135-23.7% | $4,274-8.3% |
| Admin fee / account holder | $959 | $9,543-90.0% | $12,742-92.5% | $7,775-87.7% |