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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 | $148,378 | $90,400+64.1% | $186,193-20.3% | $87,485+69.6% |
| Participation rate | 58.2% | 66.2%-8.0pp | 77.1%-18.9pp | 68.9%-10.7pp |
| Annual return | 14.33% | 22.15%-7.8pp | 78.03%-63.7pp | 26.06%-11.7pp |
| Employer contribution / active EE | $1,910 | $2,170-12.0% | $3,918-51.3% | $2,596-26.4% |
| Participant deferral / active EE | $3,639 | $4,330-16.0% | $6,513-44.1% | $4,274-14.9% |
| Admin fee / account holder | $16,534 | $8,673+90.6% | $11,058+49.5% | $7,775+112.7% |