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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 | $120,350 | $74,535+61.5% | $100,712+19.5% | $82,637+45.6% |
| Participation rate | 54.1% | 61.2%-7.1pp | 69.3%-15.2pp | 68.1%-14.0pp |
| Annual return | 15.35% | 18.92%-3.6pp | 33.27%-17.9pp | 53.51%-38.2pp |
| Employer contribution / active EE | $1,972 | $1,503+31.2% | $2,313-14.7% | $2,552-22.7% |
| Participant deferral / active EE | $2,911 | $3,074-5.3% | $4,085-28.8% | $4,126-29.5% |
| Admin fee / account holder | $3,157 | $6,576-52.0% | $9,256-65.9% | $7,339-57.0% |