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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 | $124,468 | $95,453+30.4% | $112,040+11.1% | $82,448+51.0% |
| Participation rate | 46.3% | 72.8%-26.5pp | 76.5%-30.2pp | 68.1%-21.8pp |
| Annual return | 14.18% | 23.92%-9.7pp | 24.52%-10.3pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,726 | $2,318-25.5% | $2,954-41.6% | $2,551-32.3% |
| Participant deferral / active EE | $3,032 | $4,224-28.2% | $5,098-40.5% | $4,139-26.7% |
| Admin fee / account holder | $1,966 | $9,013-78.2% | $12,098-83.8% | $7,234-72.8% |