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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 | $86,919+48.1% | $102,457+25.6% | $80,911+59.1% |
| Participation rate | 55.7% | 72.4%-16.7pp | 76.5%-20.8pp | 67.6%-11.9pp |
| Annual return | 14.30% | 18.90%-4.6pp | 29.41%-15.1pp | 35.63%-21.3pp |
| Employer contribution / active EE | $1,446 | $2,368-38.9% | $3,022-52.2% | $2,756-47.5% |
| Participant deferral / active EE | $3,362 | $4,119-18.4% | $5,054-33.5% | $4,297-21.8% |
| Admin fee / account holder | $16,321 | $8,049+102.8% | $9,451+72.7% | $6,935+135.4% |