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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 | $126,571 | $95,404+32.7% | $113,397+11.6% | $82,637+53.2% |
| Participation rate | 54.0% | 72.8%-18.8pp | 76.5%-22.5pp | 68.1%-14.1pp |
| Annual return | 17.85% | 19.08%-1.2pp | 23.20%-5.3pp | 53.51%-35.7pp |
| Employer contribution / active EE | $2,038 | $2,307-11.6% | $2,977-31.5% | $2,552-20.1% |
| Participant deferral / active EE | $4,334 | $4,220+2.7% | $5,076-14.6% | $4,126+5.0% |
| Admin fee / account holder | $899 | $9,168-90.2% | $11,957-92.5% | $7,339-87.8% |