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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 | $142,776 | $97,550+46.4% | $120,344+18.6% | $87,485+63.2% |
| Participation rate | 44.8% | 72.8%-28.0pp | 76.7%-31.9pp | 68.9%-24.1pp |
| Annual return | 17.78% | 18.41%-0.6pp | 20.30%-2.5pp | 26.06%-8.3pp |
| Employer contribution / active EE | $1,254 | $2,291-45.2% | $3,020-58.5% | $2,596-51.7% |
| Participant deferral / active EE | $2,761 | $4,230-34.7% | $5,135-46.2% | $4,274-35.4% |
| Admin fee / account holder | $3,629 | $9,543-62.0% | $12,742-71.5% | $7,775-53.3% |