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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 | $166,085 | $69,977+137.3% | $108,582+53.0% | $62,881+164.1% |
| Participation rate | 48.0% | 72.9%-24.9pp | 79.6%-31.6pp | 69.3%-21.3pp |
| Annual return | 11.78% | 10.73%+1.0pp | -51.70%+63.5pp | 20.14%-8.4pp |
| Employer contribution / active EE | $1,648 | $2,135-22.8% | $3,758-56.2% | $2,281-27.8% |
| Participant deferral / active EE | $4,217 | $3,165+33.3% | $4,311-2.2% | $3,203+31.7% |
| Admin fee / account holder | $6,833 | $5,076+34.6% | $7,645-10.6% | $4,296+59.1% |