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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 | $86,922+42.4% | $102,438+20.8% | $80,874+53.0% |
| Participation rate | 54.1% | 72.4%-18.3pp | 76.5%-22.4pp | 67.6%-13.5pp |
| Annual return | 13.47% | 18.90%-5.4pp | 29.37%-15.9pp | 35.62%-22.1pp |
| Employer contribution / active EE | $1,102 | $2,369-53.5% | $3,024-63.6% | $2,756-60.0% |
| Participant deferral / active EE | $2,310 | $4,119-43.9% | $5,054-54.3% | $4,297-46.2% |
| Admin fee / account holder | $9,896 | $8,050+22.9% | $9,448+4.7% | $6,935+42.7% |