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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 | $128,766 | $67,776+90.0% | $90,312+42.6% | $65,306+97.2% |
| Participation rate | 46.0% | 58.1%-12.1pp | 72.9%-26.9pp | 57.7%-11.7pp |
| Annual return | 14.45% | 16.62%-2.2pp | 18.90%-4.4pp | 21.94%-7.5pp |
| Employer contribution / active EE | $1,715 | $2,195-21.9% | $2,243-23.5% | $1,967-12.8% |
| Participant deferral / active EE | $2,710 | $2,641+2.6% | $3,749-27.7% | $2,959-8.4% |
| Admin fee / account holder | $3,834 | $3,322+15.4% | $8,248-53.5% | $3,480+10.2% |