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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 | $167,262 | $97,550+71.5% | $120,344+39.0% | $87,485+91.2% |
| Participation rate | 27.3% | 72.8%-45.6pp | 76.7%-49.4pp | 68.9%-41.7pp |
| Annual return | 18.16% | 18.41%-0.2pp | 20.30%-2.1pp | 26.06%-7.9pp |
| Employer contribution / active EE | $1,050 | $2,291-54.2% | $3,020-65.2% | $2,596-59.6% |
| Participant deferral / active EE | $2,323 | $4,230-45.1% | $5,135-54.8% | $4,274-45.6% |
| Admin fee / account holder | $18,666 | $9,543+95.6% | $12,742+46.5% | $7,775+140.1% |