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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 | $127,630 | $86,949+46.8% | $102,460+24.6% | $80,959+57.6% |
| Participation rate | 65.1% | 72.4%-7.3pp | 76.5%-11.4pp | 67.7%-2.6pp |
| Annual return | 15.69% | 18.89%-3.2pp | 29.47%-13.8pp | 35.67%-20.0pp |
| Employer contribution / active EE | $721 | $2,370-69.6% | $3,025-76.2% | $2,757-73.9% |
| Participant deferral / active EE | $4,082 | $4,121-0.9% | $5,056-19.3% | $4,300-5.1% |
| Admin fee / account holder | $1,548 | $8,048-80.8% | $9,460-83.6% | $6,925-77.6% |