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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 | $86,938+42.4% | $102,423+20.8% | $80,925+52.9% |
| Participation rate | 54.1% | 72.4%-18.3pp | 76.5%-22.4pp | 67.7%-13.5pp |
| Annual return | 13.47% | 18.89%-5.4pp | 29.42%-16.0pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,102 | $2,369-53.5% | $3,023-63.6% | $2,756-60.0% |
| Participant deferral / active EE | $2,310 | $4,120-43.9% | $5,054-54.3% | $4,299-46.3% |
| Admin fee / account holder | $9,896 | $8,053+22.9% | $9,455+4.7% | $6,940+42.6% |