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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 | $62,086+107.4% | $90,259+42.7% | $64,340+100.1% |
| Participation rate | 46.0% | 53.9%-7.9pp | 70.7%-24.7pp | 55.2%-9.2pp |
| Annual return | 14.45% | 16.73%-2.3pp | 18.88%-4.4pp | 24.14%-9.7pp |
| Employer contribution / active EE | $1,715 | $1,883-8.9% | $2,291-25.2% | $1,862-7.9% |
| Participant deferral / active EE | $2,710 | $2,557+6.0% | $3,827-29.2% | $2,980-9.1% |
| Admin fee / account holder | $3,834 | $3,317+15.6% | $7,267-47.2% | $3,703+3.6% |