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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 | $118,736 | $67,638+75.5% | $133,346-11.0% | $69,733+70.3% |
| Participation rate | 45.1% | 54.3%-9.2pp | 72.8%-27.8pp | 62.5%-17.4pp |
| Annual return | 15.45% | 13.38%+2.1pp | 36.85%-21.4pp | 15.22%+0.2pp |
| Employer contribution / active EE | $1,171 | $1,177-0.6% | $2,853-59.0% | $2,250-48.0% |
| Participant deferral / active EE | $2,154 | $2,567-16.1% | $4,332-50.3% | $3,054-29.5% |
| Admin fee / account holder | $1,980 | $4,814-58.9% | $14,264-86.1% | $3,102-36.2% |