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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 | $142,731 | $87,132+63.8% | $105,624+35.1% | $80,959+76.3% |
| Participation rate | 46.2% | 70.4%-24.3pp | 75.3%-29.1pp | 67.7%-21.5pp |
| Annual return | 12.54% | 17.03%-4.5pp | 116.20%-103.7pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,591 | $2,397-33.6% | $3,168-49.8% | $2,757-42.3% |
| Participant deferral / active EE | $4,081 | $3,985+2.4% | $5,013-18.6% | $4,300-5.1% |
| Admin fee / account holder | $2,632 | $8,449-68.8% | $10,961-76.0% | $6,925-62.0% |