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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 | $81,504+44.9% | $102,437+15.3% | $80,959+45.8% |
| Participation rate | 40.5% | 66.9%-26.3pp | 74.5%-34.0pp | 67.7%-27.1pp |
| Annual return | 21.52% | 25.60%-4.1pp | 24.95%-3.4pp | 35.67%-14.1pp |
| Employer contribution / active EE | $1,420 | $3,104-54.3% | $3,871-63.3% | $2,757-48.5% |
| Participant deferral / active EE | $3,356 | $3,871-13.3% | $5,060-33.7% | $4,300-22.0% |
| Admin fee / account holder | $2,182 | $6,719-67.5% | $8,388-74.0% | $6,925-68.5% |