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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 | $117,120 | $73,787+58.7% | $98,716+18.6% | $82,448+42.1% |
| Participation rate | 56.8% | 61.4%-4.6pp | 69.3%-12.5pp | 68.1%-11.3pp |
| Annual return | 15.00% | 18.57%-3.6pp | 31.81%-16.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $1,172 | $1,511-22.4% | $2,279-48.6% | $2,551-54.0% |
| Participant deferral / active EE | $3,119 | $3,081+1.2% | $4,048-22.9% | $4,139-24.6% |
| Admin fee / account holder | $11,730 | $6,500+80.5% | $8,703+34.8% | $7,234+62.1% |