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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 | $125,977 | $86,938+44.9% | $102,423+23.0% | $80,925+55.7% |
| Participation rate | 51.6% | 72.4%-20.8pp | 76.5%-24.9pp | 67.7%-16.0pp |
| Annual return | 20.07% | 18.89%+1.2pp | 29.42%-9.4pp | 35.65%-15.6pp |
| Employer contribution / active EE | $1,467 | $2,369-38.1% | $3,023-51.5% | $2,756-46.8% |
| Participant deferral / active EE | $5,052 | $4,120+22.6% | $5,054-0.1% | $4,299+17.5% |
| Admin fee / account holder | $2,919 | $8,053-63.8% | $9,455-69.1% | $6,940-57.9% |