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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 | $172,129 | $90,486+90.2% | $78,676+118.8% | $273,972-37.2% |
| Participation rate | 26.3% | 76.5%-50.2pp | 73.6%-47.2pp | 83.0%-56.7pp |
| Annual return | 6.50% | 75.62%-69.1pp | 62.19%-55.7pp | 41.46%-35.0pp |
| Employer contribution / active EE | $1,060 | $3,175-66.6% | $2,850-62.8% | $4,869-78.2% |
| Participant deferral / active EE | $4,170 | $3,901+6.9% | $3,517+18.6% | $5,287-21.1% |
| Admin fee / account holder | $3,333 | $5,263-36.7% | $4,510-26.1% | $10,133-67.1% |