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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 | $134,567 | $77,896+72.8% | $134,172+0.3% | $82,448+63.2% |
| Participation rate | 53.3% | 62.8%-9.5pp | 72.5%-19.1pp | 68.1%-14.7pp |
| Annual return | 16.83% | 18.21%-1.4pp | 25.30%-8.5pp | 41.64%-24.8pp |
| Employer contribution / active EE | $1,805 | $2,159-16.4% | $3,420-47.2% | $2,551-29.2% |
| Participant deferral / active EE | $5,221 | $3,162+65.1% | $4,690+11.3% | $4,139+26.1% |
| Admin fee / account holder | $6,510 | $6,336+2.7% | $12,016-45.8% | $7,234-10.0% |