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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 | $121,860 | $95,904+27.1% | $173,730-29.9% | $64,340+89.4% |
| Participation rate | 32.4% | 60.6%-28.2pp | 79.6%-47.2pp | 55.2%-22.9pp |
| Annual return | 15.21% | 17.47%-2.3pp | 19.96%-4.7pp | 24.14%-8.9pp |
| Employer contribution / active EE | $1,134 | $2,323-51.2% | $4,577-75.2% | $1,862-39.1% |
| Participant deferral / active EE | $2,609 | $3,488-25.2% | $6,326-58.8% | $2,980-12.5% |
| Admin fee / account holder | $5,880 | $5,089+15.5% | $17,523-66.4% | $3,703+58.8% |