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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 | $117,630 | $80,992+45.2% | $96,534+21.9% | $75,173+56.5% |
| Participation rate | 54.8% | 71.8%-17.0pp | 76.0%-21.2pp | 67.2%-12.4pp |
| Annual return | 19.67% | 27.05%-7.4pp | 25.88%-6.2pp | 160.72%-141.1pp |
| Employer contribution / active EE | $1,676 | $2,283-26.6% | $2,965-43.5% | $2,671-37.3% |
| Participant deferral / active EE | $3,526 | $3,929-10.3% | $4,851-27.3% | $4,126-14.6% |
| Admin fee / account holder | $2,465 | $6,717-63.3% | $8,253-70.1% | $5,651-56.4% |