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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 | $121,223 | $86,949+39.4% | $102,460+18.3% | $80,959+49.7% |
| Participation rate | 37.3% | 72.4%-35.1pp | 76.5%-39.3pp | 67.7%-30.4pp |
| Annual return | 13.16% | 18.89%-5.7pp | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,814 | $2,370-23.4% | $3,025-40.0% | $2,757-34.2% |
| Participant deferral / active EE | $4,718 | $4,121+14.5% | $5,056-6.7% | $4,300+9.7% |
| Admin fee / account holder | $2,351 | $8,048-70.8% | $9,460-75.1% | $6,925-66.0% |