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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 | $149,093 | $86,949+71.5% | $102,460+45.5% | $80,959+84.2% |
| Participation rate | 62.0% | 72.4%-10.4pp | 76.5%-14.5pp | 67.7%-5.7pp |
| Annual return | 15.34% | 18.89%-3.6pp | 29.47%-14.1pp | 35.67%-20.3pp |
| Employer contribution / active EE | $1,798 | $2,370-24.1% | $3,025-40.6% | $2,757-34.8% |
| Participant deferral / active EE | $6,267 | $4,121+52.1% | $5,056+24.0% | $4,300+45.7% |
| Admin fee / account holder | $41,533 | $8,048+416.1% | $9,460+339.0% | $6,925+499.7% |