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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 | $121,428 | $73,787+64.6% | $98,716+23.0% | $82,448+47.3% |
| Participation rate | 54.1% | 61.4%-7.4pp | 69.3%-15.2pp | 68.1%-14.0pp |
| Annual return | 15.68% | 18.57%-2.9pp | 31.81%-16.1pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,113 | $1,511+39.8% | $2,279-7.3% | $2,551-17.2% |
| Participant deferral / active EE | $4,791 | $3,081+55.5% | $4,048+18.4% | $4,139+15.7% |
| Admin fee / account holder | $1,326 | $6,500-79.6% | $8,703-84.8% | $7,234-81.7% |