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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 | $182,284 | $99,345+83.5% | $84,753+115.1% | $273,972-33.5% |
| Participation rate | 38.9% | 80.7%-41.8pp | 76.6%-37.7pp | 83.0%-44.1pp |
| Annual return | 3.69% | 22.93%-19.2pp | 22.78%-19.1pp | 41.46%-37.8pp |
| Employer contribution / active EE | $6,187 | $4,214+46.8% | $3,574+73.1% | $4,869+27.1% |
| Participant deferral / active EE | $2,105 | $4,270-50.7% | $3,712-43.3% | $5,287-60.2% |
| Admin fee / account holder | $1,781 | $6,645-73.2% | $5,333-66.6% | $10,133-82.4% |