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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 | $127,761 | $97,550+31.0% | $120,344+6.2% | $87,485+46.0% |
| Participation rate | 52.8% | 72.8%-20.0pp | 76.7%-23.9pp | 68.9%-16.2pp |
| Annual return | 12.43% | 18.41%-6.0pp | 20.30%-7.9pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,520 | $2,291-33.7% | $3,020-49.7% | $2,596-41.5% |
| Participant deferral / active EE | $2,919 | $4,230-31.0% | $5,135-43.1% | $4,274-31.7% |
| Admin fee / account holder | $10,834 | $9,543+13.5% | $12,742-15.0% | $7,775+39.3% |