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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 | $172,695 | $55,902+208.9% | $76,030+127.1% | $80,959+113.3% |
| Participation rate | 54.2% | 62.1%-7.9pp | 69.1%-14.9pp | 67.7%-13.5pp |
| Annual return | 15.20% | 20.59%-5.4pp | 361.54%-346.3pp | 35.67%-20.5pp |
| Employer contribution / active EE | $1,599 | $1,867-14.4% | $2,688-40.5% | $2,757-42.0% |
| Participant deferral / active EE | $4,994 | $3,051+63.7% | $4,257+17.3% | $4,300+16.1% |
| Admin fee / account holder | $1,715 | $5,239-67.3% | $6,421-73.3% | $6,925-75.2% |