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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 | $147,813 | $62,589+136.2% | $76,768+92.5% | $64,173+130.3% |
| Participation rate | 56.7% | 72.8%-16.2pp | 77.0%-20.3pp | 69.6%-12.9pp |
| Annual return | 0.48% | -1.95%+2.4pp | 2.43%-2.0pp | 7.63%-7.2pp |
| Employer contribution / active EE | $1,646 | $1,832-10.2% | $2,485-33.8% | $2,381-30.9% |
| Participant deferral / active EE | $4,557 | $3,145+44.9% | $3,852+18.3% | $3,470+31.3% |
| Admin fee / account holder | $11,761 | $4,667+152.0% | $6,675+76.2% | $4,887+140.6% |