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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 | $154,848 | $106,864+44.9% | $147,318+5.1% | $82,637+87.4% |
| Participation rate | 55.4% | 75.5%-20.1pp | 82.1%-26.7pp | 68.1%-12.7pp |
| Annual return | 14.96% | 27.49%-12.5pp | 70.43%-55.5pp | 53.51%-38.5pp |
| Employer contribution / active EE | $1,828 | $3,417-46.5% | $4,593-60.2% | $2,552-28.4% |
| Participant deferral / active EE | $4,287 | $6,496-34.0% | $7,906-45.8% | $4,126+3.9% |
| Admin fee / account holder | $505 | $8,415-94.0% | $13,708-96.3% | $7,339-93.1% |