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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 | $176,887 | $110,337+60.3% | $102,383+72.8% | $145,877+21.3% |
| Participation rate | 41.2% | 77.9%-36.8pp | 74.5%-33.3pp | 80.3%-39.1pp |
| Annual return | 11.90% | 24.83%-12.9pp | 24.94%-13.0pp | 551.28%-539.4pp |
| Employer contribution / active EE | $1,586 | $4,216-62.4% | $3,870-59.0% | $4,663-66.0% |
| Participant deferral / active EE | $4,625 | $5,621-17.7% | $5,060-8.6% | $6,691-30.9% |
| Admin fee / account holder | $5,299 | $9,750-45.7% | $8,391-36.9% | $13,402-60.5% |