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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 | $142,467 | $86,949+63.9% | $102,460+39.0% | $80,959+76.0% |
| Participation rate | 48.2% | 72.4%-24.1pp | 76.5%-28.3pp | 67.7%-19.4pp |
| Annual return | 15.56% | 18.89%-3.3pp | 29.47%-13.9pp | 35.67%-20.1pp |
| Employer contribution / active EE | $1,596 | $2,370-32.6% | $3,025-47.2% | $2,757-42.1% |
| Participant deferral / active EE | $3,558 | $4,121-13.7% | $5,056-29.6% | $4,300-17.3% |
| Admin fee / account holder | $9,028 | $8,048+12.2% | $9,460-4.6% | $6,925+30.4% |