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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 | $119,920 | $123,478-2.9% | $216,567-44.6% | $94,015+27.6% |
| Participation rate | 57.7% | 75.1%-17.4pp | 81.6%-24.0pp | 70.8%-13.1pp |
| Annual return | 13.16% | 23.61%-10.4pp | 12.94%+0.2pp | 17.84%-4.7pp |
| Employer contribution / active EE | $864 | $3,136-72.4% | $5,216-83.4% | $2,790-69.0% |
| Participant deferral / active EE | $3,531 | $4,556-22.5% | $6,191-43.0% | $4,249-16.9% |
| Admin fee / account holder | $15,659 | $12,753+22.8% | $21,981-28.8% | $8,951+74.9% |