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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 | $172,495 | $91,198+89.1% | $178,503-3.4% | $79,856+116.0% |
| Participation rate | 52.5% | 69.2%-16.7pp | 81.9%-29.4pp | 69.6%-17.1pp |
| Annual return | 14.57% | 24.20%-9.6pp | 151.12%-136.6pp | 31.71%-17.1pp |
| Employer contribution / active EE | $1,802 | $3,257-44.7% | $5,011-64.0% | $2,471-27.1% |
| Participant deferral / active EE | $3,359 | $3,237+3.8% | $5,202-35.4% | $3,741-10.2% |
| Admin fee / account holder | $13,029 | $6,748+93.1% | $13,987-6.9% | $5,306+145.5% |