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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 | $142,678 | $86,940+64.1% | $102,434+39.3% | $80,935+76.3% |
| Participation rate | 58.3% | 72.4%-14.1pp | 76.5%-18.2pp | 67.7%-9.3pp |
| Annual return | 17.05% | 18.89%-1.8pp | 29.46%-12.4pp | 35.66%-18.6pp |
| Employer contribution / active EE | $1,028 | $2,370-56.6% | $3,023-66.0% | $2,757-62.7% |
| Participant deferral / active EE | $5,147 | $4,121+24.9% | $5,055+1.8% | $4,299+19.7% |
| Admin fee / account holder | $15,923 | $8,047+97.9% | $9,462+68.3% | $6,924+130.0% |