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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 | $122,907 | $123,793-0.7% | $177,848-30.9% | $79,856+53.9% |
| Participation rate | 56.3% | 84.7%-28.4pp | 87.7%-31.5pp | 69.6%-13.4pp |
| Annual return | 11.47% | 22.82%-11.3pp | 48.33%-36.9pp | 31.71%-20.2pp |
| Employer contribution / active EE | $3,746 | $4,095-8.5% | $5,919-36.7% | $2,471+51.6% |
| Participant deferral / active EE | $4,180 | $5,956-29.8% | $7,714-45.8% | $3,741+11.8% |
| Admin fee / account holder | $3,608 | $7,243-50.2% | $12,431-71.0% | $5,306-32.0% |