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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 | $161,732 | $64,010+152.7% | $108,359+49.3% | $64,340+151.4% |
| Participation rate | 36.6% | 49.4%-12.8pp | 70.1%-33.5pp | 55.2%-18.6pp |
| Annual return | 15.76% | 19.74%-4.0pp | 36.89%-21.1pp | 24.14%-8.4pp |
| Employer contribution / active EE | $1,634 | $1,029+58.9% | $2,399-31.9% | $1,862-12.2% |
| Participant deferral / active EE | $3,651 | $2,395+52.4% | $4,137-11.7% | $2,980+22.5% |
| Admin fee / account holder | $24,760 | $4,885+406.9% | $9,741+154.2% | $3,703+568.7% |