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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 | $135,474 | $81,331+66.6% | $155,534-12.9% | $80,935+67.4% |
| Participation rate | 48.0% | 66.3%-18.3pp | 78.2%-30.2pp | 67.7%-19.7pp |
| Annual return | 13.00% | 33.37%-20.4pp | 64.92%-51.9pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,096 | $3,105-64.7% | $4,675-76.6% | $2,757-60.3% |
| Participant deferral / active EE | $4,056 | $3,454+17.4% | $5,630-28.0% | $4,299-5.7% |
| Admin fee / account holder | $8,701 | $7,999+8.8% | $15,900-45.3% | $6,924+25.7% |