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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 | $159,029 | $81,504+95.1% | $102,437+55.2% | $80,959+96.4% |
| Participation rate | 40.6% | 66.9%-26.2pp | 74.5%-33.9pp | 67.7%-27.0pp |
| Annual return | 11.27% | 25.60%-14.3pp | 24.95%-13.7pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,444 | $3,104-53.5% | $3,871-62.7% | $2,757-47.6% |
| Participant deferral / active EE | $4,040 | $3,871+4.4% | $5,060-20.2% | $4,300-6.1% |
| Admin fee / account holder | $11,359 | $6,719+69.0% | $8,388+35.4% | $6,925+64.0% |