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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 | $181,798 | $97,550+86.4% | $120,344+51.1% | $87,485+107.8% |
| Participation rate | 63.4% | 72.8%-9.4pp | 76.7%-13.3pp | 68.9%-5.5pp |
| Annual return | 16.55% | 18.41%-1.9pp | 20.30%-3.8pp | 26.06%-9.5pp |
| Employer contribution / active EE | $787 | $2,291-65.6% | $3,020-73.9% | $2,596-69.7% |
| Participant deferral / active EE | $4,031 | $4,230-4.7% | $5,135-21.5% | $4,274-5.7% |
| Admin fee / account holder | $6,011 | $9,543-37.0% | $12,742-52.8% | $7,775-22.7% |