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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 | $152,636 | $83,898+81.9% | $133,346+14.5% | $94,015+62.4% |
| Participation rate | 52.2% | 63.4%-11.2pp | 72.8%-20.7pp | 70.8%-18.6pp |
| Annual return | 15.18% | 16.00%-0.8pp | 36.85%-21.7pp | 17.84%-2.7pp |
| Employer contribution / active EE | $1,434 | $1,821-21.2% | $2,853-49.7% | $2,790-48.6% |
| Participant deferral / active EE | $2,609 | $3,245-19.6% | $4,332-39.8% | $4,249-38.6% |
| Admin fee / account holder | $4,544 | $7,809-41.8% | $14,264-68.1% | $8,951-49.2% |