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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 | $74,535+104.8% | $100,712+51.6% | $82,637+84.7% |
| Participation rate | 52.2% | 61.2%-9.0pp | 69.3%-17.1pp | 68.1%-15.9pp |
| Annual return | 15.18% | 18.92%-3.7pp | 33.27%-18.1pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,434 | $1,503-4.5% | $2,313-38.0% | $2,552-43.8% |
| Participant deferral / active EE | $2,609 | $3,074-15.1% | $4,085-36.1% | $4,126-36.8% |
| Admin fee / account holder | $4,544 | $6,576-30.9% | $9,256-50.9% | $7,339-38.1% |