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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 | $154,592 | $75,058+106.0% | $152,301+1.5% | $64,340+140.3% |
| Participation rate | 38.8% | 60.9%-22.1pp | 82.4%-43.6pp | 55.2%-16.4pp |
| Annual return | 16.58% | 29.93%-13.3pp | 80.50%-63.9pp | 24.14%-7.6pp |
| Employer contribution / active EE | $1,039 | $2,605-60.1% | $4,624-77.5% | $1,862-44.2% |
| Participant deferral / active EE | $2,849 | $5,041-43.5% | $8,004-64.4% | $2,980-4.4% |
| Admin fee / account holder | $1,523 | $4,050-62.4% | $14,398-89.4% | $3,703-58.9% |