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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 | $122,557 | $95,404+28.5% | $113,397+8.1% | $82,637+48.3% |
| Participation rate | 39.8% | 72.8%-33.1pp | 76.5%-36.7pp | 68.1%-28.3pp |
| Annual return | 15.34% | 19.08%-3.7pp | 23.20%-7.9pp | 53.51%-38.2pp |
| Employer contribution / active EE | $1,309 | $2,307-43.2% | $2,977-56.0% | $2,552-48.7% |
| Participant deferral / active EE | $3,001 | $4,220-28.9% | $5,076-40.9% | $4,126-27.3% |
| Admin fee / account holder | $13,598 | $9,168+48.3% | $11,957+13.7% | $7,339+85.3% |