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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 | $150,007 | $52,836+183.9% | $105,736+41.9% | $64,173+133.8% |
| Participation rate | 62.5% | 66.5%-4.0pp | 76.3%-13.8pp | 69.6%-7.1pp |
| Annual return | 0.78% | 14.30%-13.5pp | 6.27%-5.5pp | 7.63%-6.9pp |
| Employer contribution / active EE | $6,567 | $1,827+259.4% | $3,268+100.9% | $2,381+175.8% |
| Participant deferral / active EE | $3,767 | $2,545+48.0% | $4,080-7.7% | $3,470+8.6% |
| Admin fee / account holder | $3,572 | $3,959-9.8% | $6,913-48.3% | $4,887-26.9% |