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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 | $175,439 | $86,938+101.8% | $102,423+71.3% | $80,925+116.8% |
| Participation rate | 42.0% | 72.4%-30.4pp | 76.5%-34.5pp | 67.7%-25.7pp |
| Annual return | 10.42% | 18.89%-8.5pp | 29.42%-19.0pp | 35.65%-25.2pp |
| Employer contribution / active EE | $1,292 | $2,369-45.5% | $3,023-57.3% | $2,756-53.1% |
| Participant deferral / active EE | $3,175 | $4,120-22.9% | $5,054-37.2% | $4,299-26.1% |
| Admin fee / account holder | $28,625 | $8,053+255.5% | $9,455+202.8% | $6,940+312.5% |