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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 | $151,632 | $106,749+42.0% | $145,433+4.3% | $82,448+83.9% |
| Participation rate | 57.5% | 75.6%-18.1pp | 82.1%-24.6pp | 68.1%-10.6pp |
| Annual return | 16.57% | 27.59%-11.0pp | 66.58%-50.0pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,209 | $3,444-35.9% | $4,554-51.5% | $2,551-13.4% |
| Participant deferral / active EE | $5,685 | $6,519-12.8% | $7,897-28.0% | $4,139+37.3% |
| Admin fee / account holder | $24,025 | $8,390+186.4% | $13,129+83.0% | $7,234+232.1% |