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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 | $174,161 | $81,276+114.3% | $155,574+11.9% | $80,925+115.2% |
| Participation rate | 57.4% | 66.2%-8.9pp | 78.2%-20.8pp | 67.7%-10.3pp |
| Annual return | 10.67% | 33.36%-22.7pp | 64.87%-54.2pp | 35.65%-25.0pp |
| Employer contribution / active EE | $1,824 | $3,103-41.2% | $4,676-61.0% | $2,756-33.8% |
| Participant deferral / active EE | $3,720 | $3,453+7.7% | $5,629-33.9% | $4,299-13.5% |
| Admin fee / account holder | $2,320 | $7,993-71.0% | $15,914-85.4% | $6,940-66.6% |