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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 | $235,549 | $94,031+150.5% | $115,768+103.5% | $82,448+185.7% |
| Participation rate | 46.2% | 70.4%-24.3pp | 74.4%-28.2pp | 68.1%-21.9pp |
| Annual return | 14.73% | 20.61%-5.9pp | 100.46%-85.7pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,593 | $2,323-31.4% | $2,940-45.8% | $2,551-37.6% |
| Participant deferral / active EE | $2,927 | $3,972-26.3% | $4,917-40.5% | $4,139-29.3% |
| Admin fee / account holder | $6,129 | $10,249-40.2% | $12,439-50.7% | $7,234-15.3% |