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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 | $64,010+85.5% | $108,359+9.6% | $64,340+84.5% |
| Participation rate | 45.1% | 49.4%-4.3pp | 70.1%-25.0pp | 55.2%-10.2pp |
| Annual return | 15.45% | 19.74%-4.3pp | 36.89%-21.4pp | 24.14%-8.7pp |
| Employer contribution / active EE | $1,171 | $1,029+13.8% | $2,399-51.2% | $1,862-37.1% |
| Participant deferral / active EE | $2,154 | $2,395-10.1% | $4,137-47.9% | $2,980-27.7% |
| Admin fee / account holder | $1,980 | $4,885-59.5% | $9,741-79.7% | $3,703-46.5% |