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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 | $189,337 | $146,267+29.4% | $197,124-4.0% | $82,448+129.6% |
| Participation rate | 52.0% | 84.0%-32.0pp | 86.7%-34.7pp | 68.1%-16.1pp |
| Annual return | 15.04% | 29.61%-14.6pp | 44.34%-29.3pp | 41.64%-26.6pp |
| Employer contribution / active EE | $1,833 | $4,723-61.2% | $6,227-70.6% | $2,551-28.1% |
| Participant deferral / active EE | $5,278 | $7,035-25.0% | $9,135-42.2% | $4,139+27.5% |
| Admin fee / account holder | $7,248 | $14,422-49.7% | $16,298-55.5% | $7,234+0.2% |