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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 | $150,600 | $57,065+163.9% | $75,670+99.0% | $70,131+114.7% |
| Participation rate | 63.6% | 68.1%-4.5pp | 72.3%-8.7pp | 69.5%-5.9pp |
| Annual return | 15.67% | 23.57%-7.9pp | 27.34%-11.7pp | 73.14%-57.5pp |
| Employer contribution / active EE | $1,648 | $1,817-9.3% | $2,352-29.9% | $2,342-29.6% |
| Participant deferral / active EE | $6,128 | $2,580+137.6% | $3,142+95.0% | $3,332+83.9% |
| Admin fee / account holder | $19,843 | $3,825+418.8% | $5,800+242.1% | $4,645+327.1% |