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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 | $143,074 | $52,682+171.6% | $78,004+83.4% | $64,097+123.2% |
| Participation rate | 41.3% | 47.7%-6.4pp | 69.4%-28.1pp | 55.2%-13.8pp |
| Annual return | 16.02% | 22.45%-6.4pp | 31.07%-15.0pp | 34.64%-18.6pp |
| Employer contribution / active EE | $941 | $1,323-28.9% | $2,469-61.9% | $1,891-50.3% |
| Participant deferral / active EE | $2,580 | $2,346+10.0% | $4,092-36.9% | $3,080-16.2% |
| Admin fee / account holder | $5,430 | $5,420+0.2% | $7,578-28.3% | $3,454+57.2% |