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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 | $116,711 | $86,938+34.2% | $102,423+13.9% | $80,925+44.2% |
| Participation rate | 61.1% | 72.4%-11.3pp | 76.5%-15.4pp | 67.7%-6.5pp |
| Annual return | 13.43% | 18.89%-5.5pp | 29.42%-16.0pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,268 | $2,369-46.5% | $3,023-58.1% | $2,756-54.0% |
| Participant deferral / active EE | $3,615 | $4,120-12.3% | $5,054-28.5% | $4,299-15.9% |
| Admin fee / account holder | $1,941 | $8,053-75.9% | $9,455-79.5% | $6,940-72.0% |