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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 | $140,183 | $73,787+90.0% | $98,716+42.0% | $82,448+70.0% |
| Participation rate | 52.6% | 61.4%-8.8pp | 69.3%-16.7pp | 68.1%-15.4pp |
| Annual return | 15.53% | 18.57%-3.0pp | 31.81%-16.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,251 | $1,511-17.2% | $2,279-45.1% | $2,551-51.0% |
| Participant deferral / active EE | $5,188 | $3,081+68.4% | $4,048+28.2% | $4,139+25.3% |
| Admin fee / account holder | $8,991 | $6,500+38.3% | $8,703+3.3% | $7,234+24.3% |