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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 | $149,604 | $63,456+135.8% | $100,712+48.5% | $64,097+133.4% |
| Participation rate | 48.1% | 49.7%-1.6pp | 69.3%-21.2pp | 55.2%-7.1pp |
| Annual return | 17.74% | 19.65%-1.9pp | 33.27%-15.5pp | 34.64%-16.9pp |
| Employer contribution / active EE | $1,665 | $1,003+66.1% | $2,313-28.0% | $1,891-12.0% |
| Participant deferral / active EE | $3,854 | $2,463+56.4% | $4,085-5.7% | $3,080+25.1% |
| Admin fee / account holder | $6,171 | $4,808+28.3% | $9,256-33.3% | $3,454+78.6% |