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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 | $150,754 | $138,312+9.0% | $122,979+22.6% | $155,188-2.9% |
| Participation rate | 50.0% | 80.2%-30.2pp | 77.2%-27.2pp | 80.8%-30.8pp |
| Annual return | 15.67% | 22.06%-6.4pp | 20.12%-4.4pp | 148.84%-133.2pp |
| Employer contribution / active EE | $1,217 | $3,530-65.5% | $3,062-60.3% | $4,248-71.3% |
| Participant deferral / active EE | $3,979 | $5,592-28.9% | $5,003-20.5% | $6,531-39.1% |
| Admin fee / account holder | $3,453 | $15,089-77.1% | $12,864-73.2% | $14,480-76.2% |