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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 | $142,523 | $94,436+50.9% | $115,599+23.3% | $82,637+72.5% |
| Participation rate | 46.5% | 70.4%-23.9pp | 74.3%-27.8pp | 68.1%-21.6pp |
| Annual return | 16.29% | 18.37%-2.1pp | 111.10%-94.8pp | 53.51%-37.2pp |
| Employer contribution / active EE | $1,236 | $2,324-46.8% | $2,955-58.2% | $2,552-51.6% |
| Participant deferral / active EE | $4,164 | $3,955+5.3% | $4,889-14.8% | $4,126+0.9% |
| Admin fee / account holder | $1,863 | $10,328-82.0% | $12,841-85.5% | $7,339-74.6% |