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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 | $123,134 | $139,421-11.7% | $239,577-48.6% | $116,462+5.7% |
| Participation rate | 60.0% | 75.0%-15.0pp | 82.1%-22.1pp | 74.7%-14.7pp |
| Annual return | 16.36% | 15.58%+0.8pp | -0.70%+17.1pp | 15.65%+0.7pp |
| Employer contribution / active EE | $1,692 | $4,487-62.3% | $7,232-76.6% | $3,231-47.6% |
| Participant deferral / active EE | $3,371 | $4,296-21.5% | $5,676-40.6% | $3,836-12.1% |
| Admin fee / account holder | $1,397 | $21,515-93.5% | $19,315-92.8% | $12,754-89.0% |