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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 | $142,955 | $77,962+83.4% | $178,540-19.9% | $80,935+76.6% |
| Participation rate | 37.9% | 65.7%-27.7pp | 77.1%-39.2pp | 67.7%-29.7pp |
| Annual return | 15.24% | 18.10%-2.9pp | 27.15%-11.9pp | 35.66%-20.4pp |
| Employer contribution / active EE | $1,492 | $2,280-34.6% | $3,953-62.3% | $2,757-45.9% |
| Participant deferral / active EE | $2,725 | $4,404-38.1% | $6,281-56.6% | $4,299-36.6% |
| Admin fee / account holder | $13,610 | $7,156+90.2% | $10,424+30.6% | $6,924+96.5% |