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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 | $126,131 | $86,949+45.1% | $102,460+23.1% | $80,959+55.8% |
| Participation rate | 56.0% | 72.4%-16.4pp | 76.5%-20.5pp | 67.7%-11.7pp |
| Annual return | 18.47% | 18.89%-0.4pp | 29.47%-11.0pp | 35.67%-17.2pp |
| Employer contribution / active EE | $1,935 | $2,370-18.3% | $3,025-36.0% | $2,757-29.8% |
| Participant deferral / active EE | $3,798 | $4,121-7.8% | $5,056-24.9% | $4,300-11.7% |
| Admin fee / account holder | $7,312 | $8,048-9.1% | $9,460-22.7% | $6,925+5.6% |