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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 | $128,231 | $72,273+77.4% | $101,275+26.6% | $79,856+60.6% |
| Participation rate | 62.5% | 68.5%-6.0pp | 75.8%-13.3pp | 69.6%-7.1pp |
| Annual return | 13.25% | 22.30%-9.0pp | 46.48%-33.2pp | 31.71%-18.5pp |
| Employer contribution / active EE | $1,220 | $2,691-54.7% | $3,660-66.7% | $2,471-50.6% |
| Participant deferral / active EE | $2,088 | $3,282-36.4% | $4,371-52.2% | $3,741-44.2% |
| Admin fee / account holder | $2,301 | $4,401-47.7% | $5,948-61.3% | $5,306-56.6% |