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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 | $151,208 | $106,115+42.5% | $85,969+75.9% | $125,388+20.6% |
| Participation rate | 45.5% | 84.1%-38.6pp | 76.5%-31.1pp | 83.2%-37.7pp |
| Annual return | 0.22% | 13.93%-13.7pp | 9.32%-9.1pp | 282.24%-282.0pp |
| Employer contribution / active EE | $1,814 | $4,537-60.0% | $3,474-47.8% | $4,866-62.7% |
| Participant deferral / active EE | $6,946 | $4,859+42.9% | $3,829+81.4% | $5,352+29.8% |
| Admin fee / account holder | $1,861 | $8,144-77.2% | $6,053-69.3% | $9,541-80.5% |