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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 | $185,791 | $80,985+129.4% | $96,576+92.4% | $75,181+147.1% |
| Participation rate | 52.9% | 71.8%-18.8pp | 76.0%-23.0pp | 67.2%-14.3pp |
| Annual return | 16.56% | 27.05%-10.5pp | 25.87%-9.3pp | 160.69%-144.1pp |
| Employer contribution / active EE | $1,262 | $2,282-44.7% | $2,965-57.4% | $2,671-52.7% |
| Participant deferral / active EE | $5,974 | $3,929+52.1% | $4,851+23.2% | $4,126+44.8% |
| Admin fee / account holder | $3,886 | $6,719-42.2% | $8,253-52.9% | $5,650-31.2% |