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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 | $118,076 | $81,446+45.0% | $103,374+14.2% | $80,874+46.0% |
| Participation rate | 40.5% | 66.9%-26.3pp | 74.5%-34.0pp | 67.6%-27.1pp |
| Annual return | 21.52% | 25.57%-4.0pp | 24.89%-3.4pp | 35.62%-14.1pp |
| Employer contribution / active EE | $1,420 | $3,107-54.3% | $3,869-63.3% | $2,756-48.5% |
| Participant deferral / active EE | $3,356 | $3,870-13.3% | $5,058-33.6% | $4,297-21.9% |
| Admin fee / account holder | $2,182 | $6,715-67.5% | $8,394-74.0% | $6,935-68.5% |