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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 | $140,183 | $76,834+82.4% | $108,359+29.4% | $87,485+60.2% |
| Participation rate | 52.6% | 61.7%-9.1pp | 70.1%-17.5pp | 68.9%-16.3pp |
| Annual return | 15.53% | 19.09%-3.6pp | 36.89%-21.4pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,251 | $1,556-19.6% | $2,399-47.9% | $2,596-51.8% |
| Participant deferral / active EE | $5,188 | $3,100+67.4% | $4,137+25.4% | $4,274+21.4% |
| Admin fee / account holder | $8,991 | $6,537+37.5% | $9,741-7.7% | $7,775+15.6% |