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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 | $128,708 | $86,940+48.0% | $102,434+25.7% | $80,935+59.0% |
| Participation rate | 55.7% | 72.4%-16.7pp | 76.5%-20.8pp | 67.7%-11.9pp |
| Annual return | 14.30% | 18.89%-4.6pp | 29.46%-15.2pp | 35.66%-21.4pp |
| Employer contribution / active EE | $1,446 | $2,370-39.0% | $3,023-52.2% | $2,757-47.6% |
| Participant deferral / active EE | $3,362 | $4,121-18.4% | $5,055-33.5% | $4,299-21.8% |
| Admin fee / account holder | $16,321 | $8,047+102.8% | $9,462+72.5% | $6,924+135.7% |