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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 | $160,326 | $78,015+105.5% | $178,505-10.2% | $80,959+98.0% |
| Participation rate | 50.0% | 65.7%-15.7pp | 77.1%-27.1pp | 67.7%-17.7pp |
| Annual return | 12.39% | 18.10%-5.7pp | 27.16%-14.8pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,648 | $2,281-27.8% | $3,955-58.3% | $2,757-40.2% |
| Participant deferral / active EE | $6,876 | $4,406+56.1% | $6,280+9.5% | $4,300+59.9% |
| Admin fee / account holder | $87,093 | $7,160+1116.3% | $10,428+735.2% | $6,925+1157.6% |