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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 | $121,562 | $86,949+39.8% | $102,460+18.6% | $80,959+50.2% |
| Participation rate | 53.3% | 72.4%-19.1pp | 76.5%-23.2pp | 67.7%-14.3pp |
| Annual return | 31.36% | 18.89%+12.5pp | 29.47%+1.9pp | 35.67%-4.3pp |
| Employer contribution / active EE | $1,791 | $2,370-24.4% | $3,025-40.8% | $2,757-35.0% |
| Participant deferral / active EE | $4,353 | $4,121+5.6% | $5,056-13.9% | $4,300+1.2% |
| Admin fee / account holder | $1,317 | $8,048-83.6% | $9,460-86.1% | $6,925-81.0% |