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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 | $154,785 | $92,811+66.8% | $238,191-35.0% | $86,983+77.9% |
| Participation rate | 64.5% | 69.3%-4.8pp | 77.1%-12.6pp | 69.5%-5.0pp |
| Annual return | 12.40% | 16.16%-3.8pp | 13.02%-0.6pp | 25.83%-13.4pp |
| Employer contribution / active EE | $1,650 | $2,728-39.5% | $5,082-67.5% | $2,584-36.2% |
| Participant deferral / active EE | $3,161 | $4,479-29.4% | $6,726-53.0% | $4,194-24.6% |
| Admin fee / account holder | $11,401 | $9,177+24.2% | $34,582-67.0% | $7,856+45.1% |