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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 | $179,348 | $71,208+151.9% | $93,681+91.4% | $80,911+121.7% |
| Participation rate | 52.4% | 60.4%-8.0pp | 68.7%-16.3pp | 67.6%-15.2pp |
| Annual return | 15.64% | 11.27%+4.4pp | 133.47%-117.8pp | 35.63%-20.0pp |
| Employer contribution / active EE | $1,400 | $1,564-10.5% | $2,422-42.2% | $2,756-49.2% |
| Participant deferral / active EE | $4,934 | $4,035+22.3% | $4,415+11.7% | $4,297+14.8% |
| Admin fee / account holder | $1,611 | $6,951-76.8% | $8,290-80.6% | $6,935-76.8% |