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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 | $125,714 | $86,940+44.6% | $102,434+22.7% | $80,935+55.3% |
| Participation rate | 64.0% | 72.4%-8.4pp | 76.5%-12.5pp | 67.7%-3.7pp |
| Annual return | 11.83% | 18.89%-7.1pp | 29.46%-17.6pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,468 | $2,370-38.0% | $3,023-51.4% | $2,757-46.7% |
| Participant deferral / active EE | $3,675 | $4,121-10.8% | $5,055-27.3% | $4,299-14.5% |
| Admin fee / account holder | $13,627 | $8,047+69.3% | $9,462+44.0% | $6,924+96.8% |