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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 | $123,950 | $81,504+52.1% | $102,437+21.0% | $80,959+53.1% |
| Participation rate | 46.4% | 66.9%-20.4pp | 74.5%-28.1pp | 67.7%-21.2pp |
| Annual return | 16.74% | 25.60%-8.9pp | 24.95%-8.2pp | 35.67%-18.9pp |
| Employer contribution / active EE | $1,415 | $3,104-54.4% | $3,871-63.4% | $2,757-48.7% |
| Participant deferral / active EE | $3,311 | $3,871-14.4% | $5,060-34.6% | $4,300-23.0% |
| Admin fee / account holder | $2,037 | $6,719-69.7% | $8,388-75.7% | $6,925-70.6% |