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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 | $127,402 | $56,894+123.9% | $84,753+50.3% | $62,881+102.6% |
| Participation rate | 38.5% | 68.5%-30.1pp | 76.6%-38.1pp | 69.3%-30.8pp |
| Annual return | 6.52% | 6.30%+0.2pp | 22.78%-16.3pp | 20.14%-13.6pp |
| Employer contribution / active EE | $962 | $2,400-59.9% | $3,574-73.1% | $2,281-57.8% |
| Participant deferral / active EE | $1,375 | $2,709-49.2% | $3,712-62.9% | $3,203-57.1% |
| Admin fee / account holder | $2,004 | $3,581-44.0% | $5,333-62.4% | $4,296-53.4% |