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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 | $125,462 | $81,487+54.0% | $102,412+22.5% | $80,935+55.0% |
| Participation rate | 26.2% | 66.8%-40.6pp | 74.5%-48.3pp | 67.7%-41.5pp |
| Annual return | 11.49% | 25.60%-14.1pp | 24.94%-13.4pp | 35.66%-24.2pp |
| Employer contribution / active EE | $1,309 | $3,103-57.8% | $3,870-66.2% | $2,757-52.5% |
| Participant deferral / active EE | $3,459 | $3,871-10.6% | $5,060-31.6% | $4,299-19.5% |
| Admin fee / account holder | $1,908 | $6,717-71.6% | $8,388-77.3% | $6,924-72.4% |