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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 | $76,834+52.4% | $108,359+8.1% | $87,485+33.9% |
| Participation rate | 56.8% | 61.7%-4.9pp | 70.1%-13.3pp | 68.9%-12.1pp |
| Annual return | 15.00% | 19.09%-4.1pp | 36.89%-21.9pp | 26.06%-11.1pp |
| Employer contribution / active EE | $1,172 | $1,556-24.7% | $2,399-51.1% | $2,596-54.8% |
| Participant deferral / active EE | $3,119 | $3,100+0.6% | $4,137-24.6% | $4,274-27.0% |
| Admin fee / account holder | $11,730 | $6,537+79.4% | $9,741+20.4% | $7,775+50.9% |