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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 | $122,664 | $86,891+41.2% | $142,516-13.9% | $75,177+63.2% |
| Participation rate | 58.6% | 68.5%-9.9pp | 76.8%-18.1pp | 67.2%-8.6pp |
| Annual return | 15.26% | 23.31%-8.0pp | 20.03%-4.8pp | 160.75%-145.5pp |
| Employer contribution / active EE | $1,483 | $3,355-55.8% | $4,849-69.4% | $2,671-44.5% |
| Participant deferral / active EE | $3,557 | $4,938-28.0% | $6,280-43.3% | $4,126-13.8% |
| Admin fee / account holder | $4,823 | $7,299-33.9% | $10,008-51.8% | $5,651-14.7% |