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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 | $144,198 | $101,778+41.7% | $164,975-12.6% | $80,925+78.2% |
| Participation rate | 56.1% | 71.8%-15.8pp | 78.6%-22.6pp | 67.7%-11.6pp |
| Annual return | 11.28% | 16.73%-5.4pp | 70.12%-58.8pp | 35.65%-24.4pp |
| Employer contribution / active EE | $1,211 | $2,954-59.0% | $4,343-72.1% | $2,756-56.1% |
| Participant deferral / active EE | $4,290 | $4,477-4.2% | $6,033-28.9% | $4,299-0.2% |
| Admin fee / account holder | $7,667 | $8,221-6.7% | $12,688-39.6% | $6,940+10.5% |