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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 | $175,258 | $59,804+193.1% | $81,982+113.8% | $79,856+119.5% |
| Participation rate | 48.5% | 61.6%-13.1pp | 69.3%-20.8pp | 69.6%-21.2pp |
| Annual return | 15.14% | 17.56%-2.4pp | 41.31%-26.2pp | 31.71%-16.6pp |
| Employer contribution / active EE | $1,331 | $1,713-22.3% | $2,498-46.7% | $2,471-46.1% |
| Participant deferral / active EE | $4,904 | $2,695+82.0% | $3,722+31.7% | $3,741+31.1% |
| Admin fee / account holder | $1,818 | $4,288-57.6% | $5,665-67.9% | $5,306-65.7% |