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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 | $143,999 | $99,345+44.9% | $84,753+69.9% | $273,972-47.4% |
| Participation rate | 55.6% | 80.7%-25.1pp | 76.6%-21.0pp | 83.0%-27.5pp |
| Annual return | 12.84% | 22.93%-10.1pp | 22.78%-9.9pp | 41.46%-28.6pp |
| Employer contribution / active EE | $1,567 | $4,214-62.8% | $3,574-56.2% | $4,869-67.8% |
| Participant deferral / active EE | $4,807 | $4,270+12.6% | $3,712+29.5% | $5,287-9.1% |
| Admin fee / account holder | $4,490 | $6,645-32.4% | $5,333-15.8% | $10,133-55.7% |