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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 | $154,199 | $239,571-35.6% | $183,328-15.9% | $137,256+12.3% |
| Participation rate | 14.3% | 82.4%-68.1pp | 77.3%-63.0pp | 80.0%-65.7pp |
| Annual return | 15.91% | 35.69%-19.8pp | 29.67%-13.8pp | 220.34%-204.4pp |
| Employer contribution / active EE | $3,742 | $6,148-39.1% | $5,055-26.0% | $4,156-10.0% |
| Participant deferral / active EE | $9,757 | $7,995+22.0% | $6,795+43.6% | $6,407+52.3% |
| Admin fee / account holder | $510 | $30,059-98.3% | $21,427-97.6% | $12,270-95.8% |