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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 | $80,855+66.4% | $153,416-12.3% | $86,983+54.7% |
| Participation rate | 53.3% | 64.1%-10.8pp | 74.3%-21.0pp | 69.5%-16.2pp |
| Annual return | 16.83% | 16.18%+0.7pp | 17.84%-1.0pp | 25.83%-9.0pp |
| Employer contribution / active EE | $1,805 | $2,308-21.8% | $3,764-52.0% | $2,584-30.1% |
| Participant deferral / active EE | $5,221 | $3,333+56.7% | $4,723+10.5% | $4,194+24.5% |
| Admin fee / account holder | $6,510 | $6,908-5.8% | $13,095-50.3% | $7,856-17.1% |