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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 | $147,923 | $86,938+70.1% | $102,423+44.4% | $80,925+82.8% |
| Participation rate | 59.4% | 72.4%-13.0pp | 76.5%-17.1pp | 67.7%-8.3pp |
| Annual return | 30.38% | 18.89%+11.5pp | 29.42%+1.0pp | 35.65%-5.3pp |
| Employer contribution / active EE | $1,013 | $2,369-57.2% | $3,023-66.5% | $2,756-63.2% |
| Participant deferral / active EE | $3,126 | $4,120-24.1% | $5,054-38.2% | $4,299-27.3% |
| Admin fee / account holder | $18,267 | $8,053+126.8% | $9,455+93.2% | $6,940+163.2% |