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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 | $153,932 | $106,749+44.2% | $145,433+5.8% | $82,448+86.7% |
| Participation rate | 44.8% | 75.6%-30.8pp | 82.1%-37.3pp | 68.1%-23.2pp |
| Annual return | 15.21% | 27.59%-12.4pp | 66.58%-51.4pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,190 | $3,444-65.5% | $4,554-73.9% | $2,551-53.4% |
| Participant deferral / active EE | $2,910 | $6,519-55.4% | $7,897-63.2% | $4,139-29.7% |
| Admin fee / account holder | $16,111 | $8,390+92.0% | $13,129+22.7% | $7,234+122.7% |