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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 | $187,399 | $106,749+75.6% | $145,433+28.9% | $82,448+127.3% |
| Participation rate | 51.4% | 75.6%-24.2pp | 82.1%-30.7pp | 68.1%-16.6pp |
| Annual return | 14.22% | 27.59%-13.4pp | 66.58%-52.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $2,143 | $3,444-37.8% | $4,554-53.0% | $2,551-16.0% |
| Participant deferral / active EE | $3,976 | $6,519-39.0% | $7,897-49.7% | $4,139-3.9% |
| Admin fee / account holder | $16,637 | $8,390+98.3% | $13,129+26.7% | $7,234+130.0% |