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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 | $182,964 | $72,607+152.0% | $90,259+102.7% | $87,485+109.1% |
| Participation rate | 44.3% | 64.8%-20.5pp | 70.7%-26.5pp | 68.9%-24.6pp |
| Annual return | 12.49% | 18.59%-6.1pp | 18.88%-6.4pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,528 | $1,919-20.4% | $2,291-33.3% | $2,596-41.1% |
| Participant deferral / active EE | $3,025 | $3,055-1.0% | $3,827-20.9% | $4,274-29.2% |
| Admin fee / account holder | $6,077 | $5,947+2.2% | $7,267-16.4% | $7,775-21.8% |