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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 | $154,665 | $99,345+55.7% | $84,753+82.5% | $273,972-43.5% |
| Participation rate | 66.7% | 80.7%-14.0pp | 76.6%-9.9pp | 83.0%-16.3pp |
| Annual return | 6.02% | 22.93%-16.9pp | 22.78%-16.8pp | 41.46%-35.4pp |
| Employer contribution / active EE | $1,560 | $4,214-63.0% | $3,574-56.3% | $4,869-68.0% |
| Participant deferral / active EE | $2,154 | $4,270-49.5% | $3,712-42.0% | $5,287-59.3% |
| Admin fee / account holder | $20,317 | $6,645+205.7% | $5,333+281.0% | $10,133+100.5% |