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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 | $162,382 | $86,938+86.8% | $102,423+58.5% | $80,925+100.7% |
| Participation rate | 48.1% | 72.4%-24.2pp | 76.5%-28.4pp | 67.7%-19.5pp |
| Annual return | 11.48% | 18.89%-7.4pp | 29.42%-17.9pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,365 | $2,369-42.4% | $3,023-54.8% | $2,756-50.5% |
| Participant deferral / active EE | $3,453 | $4,120-16.2% | $5,054-31.7% | $4,299-19.7% |
| Admin fee / account holder | $2,880 | $8,053-64.2% | $9,455-69.5% | $6,940-58.5% |