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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 | $176,118 | $76,383+130.6% | $121,663+44.8% | $64,340+173.7% |
| Participation rate | 41.0% | 60.4%-19.5pp | 74.5%-33.5pp | 55.2%-14.3pp |
| Annual return | 17.52% | 16.98%+0.5pp | 147.54%-130.0pp | 24.14%-6.6pp |
| Employer contribution / active EE | $1,204 | $1,943-38.0% | $3,020-60.1% | $1,862-35.3% |
| Participant deferral / active EE | $3,206 | $3,149+1.8% | $4,887-34.4% | $2,980+7.6% |
| Admin fee / account holder | $2,077 | $4,142-49.9% | $14,289-85.5% | $3,703-43.9% |