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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 | $174,885 | $81,504+114.6% | $102,437+70.7% | $80,959+116.0% |
| Participation rate | 38.5% | 66.9%-28.4pp | 74.5%-36.0pp | 67.7%-29.2pp |
| Annual return | 17.29% | 25.60%-8.3pp | 24.95%-7.7pp | 35.67%-18.4pp |
| Employer contribution / active EE | $2,894 | $3,104-6.8% | $3,871-25.2% | $2,757+5.0% |
| Participant deferral / active EE | $3,268 | $3,871-15.6% | $5,060-35.4% | $4,300-24.0% |
| Admin fee / account holder | $2,301 | $6,719-65.8% | $8,388-72.6% | $6,925-66.8% |