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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 | $144,583 | $80,983+78.5% | $96,544+49.8% | $75,177+92.3% |
| Participation rate | 48.9% | 71.8%-22.9pp | 76.0%-27.0pp | 67.2%-18.3pp |
| Annual return | 16.86% | 27.05%-10.2pp | 25.88%-9.0pp | 160.75%-143.9pp |
| Employer contribution / active EE | $1,299 | $2,282-43.1% | $2,966-56.2% | $2,671-51.4% |
| Participant deferral / active EE | $3,217 | $3,929-18.1% | $4,851-33.7% | $4,126-22.0% |
| Admin fee / account holder | $4,163 | $6,717-38.0% | $8,254-49.6% | $5,651-26.3% |