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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 | $63,456+87.1% | $100,712+17.9% | $64,097+85.2% |
| Participation rate | 45.1% | 49.7%-4.6pp | 69.3%-24.2pp | 55.2%-10.1pp |
| Annual return | 15.45% | 19.65%-4.2pp | 33.27%-17.8pp | 34.64%-19.2pp |
| Employer contribution / active EE | $1,171 | $1,003+16.8% | $2,313-49.4% | $1,891-38.1% |
| Participant deferral / active EE | $2,154 | $2,463-12.6% | $4,085-47.3% | $3,080-30.1% |
| Admin fee / account holder | $1,980 | $4,808-58.8% | $9,256-78.6% | $3,454-42.7% |