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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 | $146,073 | $101,752+43.6% | $164,928-11.4% | $80,911+80.5% |
| Participation rate | 47.9% | 71.8%-23.9pp | 78.6%-30.7pp | 67.6%-19.7pp |
| Annual return | 12.30% | 16.73%-4.4pp | 70.08%-57.8pp | 35.63%-23.3pp |
| Employer contribution / active EE | $1,630 | $2,953-44.8% | $4,343-62.5% | $2,756-40.8% |
| Participant deferral / active EE | $4,550 | $4,477+1.6% | $6,034-24.6% | $4,297+5.9% |
| Admin fee / account holder | $1,174 | $8,218-85.7% | $12,684-90.7% | $6,935-83.1% |