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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 | $181,636 | $106,749+70.2% | $145,433+24.9% | $82,448+120.3% |
| Participation rate | 53.8% | 75.6%-21.8pp | 82.1%-28.3pp | 68.1%-14.2pp |
| Annual return | 17.85% | 27.59%-9.7pp | 66.58%-48.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,912 | $6,519+6.0% | $7,897-12.5% | $4,139+67.0% |
| Admin fee / account holder | $2,560 | $8,390-69.5% | $13,129-80.5% | $7,234-64.6% |