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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 | $118,535 | $88,042+34.6% | $138,135-14.2% | $79,852+48.4% |
| Participation rate | 46.3% | 71.4%-25.1pp | 78.7%-32.4pp | 69.6%-23.3pp |
| Annual return | 14.21% | 20.58%-6.4pp | 20.51%-6.3pp | 31.72%-17.5pp |
| Employer contribution / active EE | $1,650 | $3,103-46.8% | $5,587-70.5% | $2,471-33.2% |
| Participant deferral / active EE | $4,746 | $4,704+0.9% | $6,431-26.2% | $3,740+26.9% |
| Admin fee / account holder | $5,591 | $7,791-28.2% | $11,856-52.8% | $5,306+5.4% |