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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 | $86,919+64.2% | $102,457+39.3% | $80,911+76.3% |
| Participation rate | 58.3% | 72.4%-14.0pp | 76.5%-18.2pp | 67.6%-9.3pp |
| Annual return | 17.05% | 18.90%-1.8pp | 29.41%-12.4pp | 35.63%-18.6pp |
| Employer contribution / active EE | $1,028 | $2,368-56.6% | $3,022-66.0% | $2,756-62.7% |
| Participant deferral / active EE | $5,147 | $4,119+24.9% | $5,054+1.8% | $4,297+19.8% |
| Admin fee / account holder | $15,923 | $8,049+97.8% | $9,451+68.5% | $6,935+129.6% |