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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 | $123,769 | $86,949+42.3% | $102,460+20.8% | $80,959+52.9% |
| Participation rate | 54.1% | 72.4%-18.3pp | 76.5%-22.4pp | 67.7%-13.6pp |
| Annual return | 13.47% | 18.89%-5.4pp | 29.47%-16.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,102 | $2,370-53.5% | $3,025-63.6% | $2,757-60.0% |
| Participant deferral / active EE | $2,310 | $4,121-43.9% | $5,056-54.3% | $4,300-46.3% |
| Admin fee / account holder | $9,896 | $8,048+23.0% | $9,460+4.6% | $6,925+42.9% |