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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 | $148,056 | $86,938+70.3% | $102,423+44.6% | $80,925+83.0% |
| Participation rate | 41.0% | 72.4%-31.4pp | 76.5%-35.5pp | 67.7%-26.6pp |
| Annual return | 15.11% | 18.89%-3.8pp | 29.42%-14.3pp | 35.65%-20.5pp |
| Employer contribution / active EE | $2,468 | $2,369+4.2% | $3,023-18.4% | $2,756-10.5% |
| Participant deferral / active EE | $5,053 | $4,120+22.6% | $5,0540% | $4,299+17.5% |
| Admin fee / account holder | $2,714 | $8,053-66.3% | $9,455-71.3% | $6,940-60.9% |