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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 | $122,413 | $97,550+25.5% | $120,344+1.7% | $87,485+39.9% |
| Participation rate | 38.5% | 72.8%-34.4pp | 76.7%-38.2pp | 68.9%-30.5pp |
| Annual return | 14.59% | 18.41%-3.8pp | 20.30%-5.7pp | 26.06%-11.5pp |
| Employer contribution / active EE | $701 | $2,291-69.4% | $3,020-76.8% | $2,596-73.0% |
| Participant deferral / active EE | $2,161 | $4,230-48.9% | $5,135-57.9% | $4,274-49.4% |
| Admin fee / account holder | $8,075 | $9,543-15.4% | $12,742-36.6% | $7,775+3.9% |