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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 | $166,540 | $60,442+175.5% | $96,754+72.1% | $87,485+90.4% |
| Participation rate | 57.3% | 58.7%-1.4pp | 70.3%-13.0pp | 68.9%-11.6pp |
| Annual return | 15.15% | 21.97%-6.8pp | 82.04%-66.9pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,111 | $1,691-34.3% | $2,679-58.5% | $2,596-57.2% |
| Participant deferral / active EE | $3,310 | $3,280+0.9% | $4,758-30.4% | $4,274-22.6% |
| Admin fee / account holder | $4,543 | $5,069-10.4% | $8,905-49.0% | $7,775-41.6% |