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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 | $122,617 | $81,358+50.7% | $155,556-21.2% | $80,959+51.5% |
| Participation rate | 49.4% | 66.3%-16.9pp | 78.2%-28.9pp | 67.7%-18.3pp |
| Annual return | 29.18% | 33.39%-4.2pp | 64.84%-35.7pp | 35.67%-6.5pp |
| Employer contribution / active EE | $1,887 | $3,106-39.3% | $4,675-59.6% | $2,757-31.6% |
| Participant deferral / active EE | $3,884 | $3,455+12.4% | $5,631-31.0% | $4,300-9.7% |
| Admin fee / account holder | $6,227 | $7,994-22.1% | $15,885-60.8% | $6,925-10.1% |