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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 | $77,574+55.1% | $108,753+10.7% | $86,983+38.4% |
| Participation rate | 54.1% | 62.3%-8.2pp | 71.1%-17.0pp | 69.5%-15.4pp |
| Annual return | 15.35% | 18.42%-3.1pp | 37.47%-22.1pp | 25.83%-10.5pp |
| Employer contribution / active EE | $1,972 | $1,611+22.4% | $2,427-18.7% | $2,584-23.7% |
| Participant deferral / active EE | $2,911 | $3,128-7.0% | $4,115-29.3% | $4,194-30.6% |
| Admin fee / account holder | $3,157 | $6,529-51.6% | $10,320-69.4% | $7,856-59.8% |