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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 | $178,455 | $123,793+44.2% | $177,848+0.3% | $79,856+123.5% |
| Participation rate | 68.3% | 84.7%-16.4pp | 87.7%-19.4pp | 69.6%-1.3pp |
| Annual return | 16.80% | 22.82%-6.0pp | 48.33%-31.5pp | 31.71%-14.9pp |
| Employer contribution / active EE | $1,448 | $4,095-64.6% | $5,919-75.5% | $2,471-41.4% |
| Participant deferral / active EE | $5,934 | $5,956-0.4% | $7,714-23.1% | $3,741+58.6% |
| Admin fee / account holder | $3,931 | $7,243-45.7% | $12,431-68.4% | $5,306-25.9% |